Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this formal complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Equifax has not conducted a fair or reasonable reinvestigation of multiple inaccurate items I previously disputed on my credit file. These include incorrect personal identifiers, addresses, accounts, inquiries, and a public record that remain uncorrected without adequate explanation or documentation. 

Inaccurate Personal Identifier Must Be Removed Equifax continues to report the following incorrect name : XXXX XXXX This name is not mine and should be immediately removed from my file. Prior disputes have gone unresolved. 

Incorrect Addresses Must Be Deleted The following addresses do not belong to me and should be permanently removed : XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Disputed Accounts Not Properly Investigated by Equifax Equifax has failed to provide proof of a reasonable investigation into the following accounts, which are not mine, are inaccurately reported, or can not be verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my requests, Equifax has not provided any documentation from the data furnishers or shown how these accounts were verified. 

Unauthorized Hard Inquiries Must Be Deleted The following inquiries appear on my credit report but were not authorized by me. They should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting a bankruptcy listed as : U.S. Bankruptcy Court, VA XXXX I have not received any confirmation that Equifax obtained this information directly from the court, as required under FCRA guidelines. If it can not be verified with documentation from the original source, this public record must be deleted immediately.

Legal Requirement for Fair and Reasonable Investigation Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to : Conduct a fair and reasonable reinvestigation of all disputed items ; Review all relevant information provided by the consumer ; Delete or correct any information that can not be verified as accurate ; Disclose the method of verification upon request, including : The name and contact information of the data furnisher ; Any documentation received from the furnisher that supports continued reporting.

To date, Equifax has failed to comply with these obligations. No documentation or detailed explanation of how these items were verified has been provided.

Requested Action I am requesting that the Consumer Financial Protection Bureau ( CFPB ) : Investigate Equifaxs failure to comply with FCRA standards ; Compel Equifax to delete all inaccurate names, addresses, accounts, inquiries, and the unverified public record ; Require Equifax to provide the full method of reinvestigation, including : The data furnishers name and contact information, and All documents used to verify the disputed information. 

Failure to comply with these requirements is a violation of federal law and is directly harming my creditworthiness and financial reputation. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief