Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies found in my credit report, which I recently obtained from XXXX. These errors require immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Legal Basis for Dispute : Pursuant to 15 U.S.C. 1681i ( a ), I am submitting a formal dispute and requesting : A complete and reasonable reinvestigation of each item listed below ; Full disclosure of the method of verification, as required under 15 U.S.C. 1681i ( a ) ( 7 ) ; A copy of my complete consumer file, in accordance with 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is a valid and specific dispute, not a vague or frivolous claim. I personally prepared and submitted this request with all supporting documentation, including identification, to allow proper processing. Under federal law, you are obligated to reinvestigate all components of each disputed item, including codes, data, formatting, and any associated remarks.

Disputed Items : Incorrect Personal Information Addresses XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account Data Chargeoffs/Collections Chargeoff XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Collection XXXX XXXX XXXX  Account # : XXXX Duplicate Collection XXXX XXXX XXXX Account # : XXXX Duplicate Chargeoff XXXX XXXX XXXX XXXXXXXX Account # : XXXX Legal Violations Under the FCRA : You are required by law to : 15 U.S.C. 1681e ( b ) : Maintain maximum possible accuracy using reasonable procedures ; 15 U.S.C. 1681i ( a ) ( 1 ) : Conduct a reasonable and good-faith reinvestigation ; 15 U.S.C. 1681i ( a ) ( 5 ) : Remove or correct any item that is inaccurate or unverifiable ; 15 U.S.C. 1681i ( a ) ( 7 ) : Provide a detailed description of the method of verification used.

Requested Actions : I am demanding the following : Reinvestigate all disputed accounts and personal information ; Delete or correct any item that is found to be inaccurate, outdated, duplicated, or unverifiable ; Provide the method of verification, including : Description of the reinvestigation process ; Names and contact info of all sources contacted ; All documentation or data relied upon to verify the information ; Provide my complete consumer file, which must include : All data in my file ; Full inquiry history ( hard and soft inquiries ), including dates and reasons ; Any third-party certifications used to access my file.

Accurate Personal Information for Record Update : Please retain and report only the following confirmed personal details : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX Response Deadlines Required by Law : 30 Days to respond to this dispute ( 15 U.S.C. 1681i ( a ) ) 15 Days to provide method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) Please respond by mail only. I do not authorize phone or email communication for this matter.

Failure to comply may result in additional complaints to the CFPB, FTC, State Attorney General, and possible civil action for FCRA violations. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief