Consumer complaint received 2025-05-31 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:
I am submitting this complaint to formally dispute several inaccurate and unverifiable items on my credit report, which I obtained from AnnualCreditReport.com. This submission is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

Despite submitting valid disputes and supporting documentation, the credit reporting agency has failed to fully address or correct the errors, violating its obligation to ensure maximum possible accuracy and to conduct a reasonable and complete reinvestigation. 

Disputed Items Charge Off Creditor 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations Cited 15 U.S.C. 1681e ( b ) : The credit bureau failed to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : The bureau did not conduct a proper and good-faith reinvestigation upon receiving my dispute.

15 U.S.C. 1681i ( a ) ( 5 ) : Inaccurate or unverifiable information was not deleted as required by law.

15 U.S.C. 1681i ( a ) ( 7 ) : I was not provided with a full method of verification upon request.

Requested Action I am formally requesting that the credit bureau and any relevant data furnishers : Conduct a full reinvestigation of all disputed items ; Delete or correct all unverifiable or inaccurate data ; Provide a complete method of verification, including : The procedures used ; Names and contact details of the entities contacted ; Copies of documentation relied upon ; Provide a full consumer file disclosure under 15 U.S.C. 1681g, including : All data held in my file ; A list of all hard and soft inquiries with dates and reasons ; Copies of certifications provided by third parties who accessed my report.

Personal Information to Be Corrected The credit bureau must also remove all outdated, unverifiable, or inaccurate identifiers, including old addresses and employers. The following accurate personal information should remain on file : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, MI XXXX Compliance Deadlines 30 days to complete the reinvestigation under 15 U.S.C. 1681i ( a ) 15 days to respond with the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) All responses must be made by mail only. I do not consent to email or electronic communications regarding this matter.

Regulatory Escalation If the required corrections, reinvestigation, or documentation are not provided, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Michigan State Attorney General. I also reserve the right to pursue legal remedies for actual and statutory damages under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation