Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : FCRA-Based Dispute, Full File Disclosure Demand, and Method of Verification Request To Whom It May Concern : I recently obtained my credit report from AnnualCreditReport.com and found several errors that need to be corrected. I am formally asking for a complete reinvestigation of the accounts and personal information listed below, as allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ). This letter also serves as a dispute, a request for the method of verification, and a request for full file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

To be clear, this is a specific and valid dispute. I am not requesting generic responses or pre-written form letters. I personally prepared and submitted each of my disputes, including the necessary identification and documents to help process them correctly. Under the Fair Credit Reporting Act, you are required to perform a full and honest reinvestigation of the item in question, including all related information, codes, and data, not just the tradeline. 


Disputed Items 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX MI XXXX 2. Charge Off XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Validate Account XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are reporting inaccurately and/or can not be verified as required by law. If any aspect of these tradelinesincluding balance, status, payment history, remarks, or date openedis inaccurate or unverifiable, you are legally obligated to delete them entirely under 15 U.S.C. 1681i ( a ) ( 5 ). 


FCRA Compliance Requirements 15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to ensure maximum possible accuracy. Failure to do so violates federal law.

15 U.S.C. 1681i ( a ) ( 1 ) : You must conduct a reasonable, good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : You must provide me with a clear method of verification. 

Demands and Consumer Rights I am requesting : A full reinvestigation of each disputed item. 
Deletion or correction of any unverifiable or inaccurate data. 
The method of verification, including : Description of procedures used ; Name and contact of all individuals or entities contacted ; Documentation relied upon for verification. 
A full consumer file disclosure under 15 U.S.C. 1681g, including : All information in your file at the time of this request ; A list of all soft and hard inquiries, the date and reason for each ; A copy of certifications provided by all third parties who accessed my report. 

Correction of Personal Information You are also required to maintain accurate identifying information. As such, I demand that all outdated, incorrect, or unverifiable personal identifiers be removed immediately. This includes : Variations of my name ; Any incorrect SSN digits ; Former addresses, phone numbers, or employers. 

Correct Personal Information to Retain Only : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year>XXXX  Last 4 SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, Michigan XXXX Response Requirements and Deadlines You are required to respond within 30 days to this dispute per 15 U.S.C. 1681i ( a ). 
You must respond within 15 days with a full method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 
Send all responses by mail only. I do not authorize electronic communications regarding this matter. 
Failure to comply may result in regulatory complaints to the CFPB, FTC, and state Attorney General, as well as legal action for statutory and actual damages under the FCRA. 
Thank you for your immediate attention to this matter. I expect full legal compliance. 

Sincerely, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief