Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is inaccurately reporting my name in its records and credit file, despite the fact that I have repeatedly submitted documentation confirming my correct and legal name. My full and correct legal name is XXXX XXXX XXXX and that is the only version of my name that should appear anywhere in my Equifax credit report. However, Equifax continues to display the incorrect variation XXXXXXXX XXXX XXXXXXXX XXXX, which is not consistent with any official identification, legal document, or credit application I have ever submitted. 

This error may appear small on the surface, but it has created real problems in my life. Ive had issues with credit applications being delayed or flagged for manual review because of mismatched name entries. Ive had to explain to lenders and service providers why my credit file does not reflect the name that appears on my driver 's license, Social Security card, and legal records. The ongoing presence of this inaccurate name has made it harder to establish financial accounts, complete identity verification checks, and confidently move through basic credit-related processes that should be simple and seamless. 

Equifax has a legal obligation under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), to maintain the maximum possible accuracy of the information it reports on consumers. That obligation extends to personal identification dataespecially a consumers legal name. Reporting a name that is even slightly inaccurate or misformatted, despite being informed of the correct legal version, is a direct violation of that provision. It compromises the integrity of my credit file and creates unnecessary friction in my financial life. 

I submitted a formal dispute to Equifax, explaining that my legal name is XXXXXXXX XXXX and providing clear documentation to support that. Instead of correcting the record, Equifax responded with a generic notice that the name information had been verified, and the incorrect version remains. That response violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. If Equifax actually performed a reinvestigation, they would have found that the name they are reporting is not what appears on my government-issued ID or any legal document Ive ever signed. They failed to investigate, failed to correct, and in doing so, failed to comply with federal law. 

The fact that Equifax continues to associate me with a misformatted or outdated version of my name raises serious concerns about how they maintain personal data and how many other consumers may be facing similar issues without realizing the long-term consequences. In my case, this incorrect data has led to unnecessary delays, verification problems, emotional frustration, and ongoing fear that the mismatched identity information could lead to further misreporting or errors down the line.

Company response to consumer: Closed with explanation