Consumer complaint received 2025-05-30 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 filing this complaint to formally dispute several inaccurate and unverifiable items currently appearing on my credit report, which I obtained from XXXX. This complaint is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), 1681g, and 1681i ( a ).

These disputed items include outdated or incorrect personal identifiers, collections, charge-offs, and late payments, all of which I believe to be reporting inaccurately and/or without proper verification. I am requesting that these items be fully reinvestigated, and that I receive the method of verification and full file disclosure, as required by federal law. 

Disputed Items Incorrect Personal Information Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Employer : XXXX Employer : XXXX XXXX XXXX XXXX XXXXs Account # XXXX * * * * * * * * * * * * * * * XXXX XXXX XXXX Account # XXXX * * * * * * * * * * * * * * * XXXX XXXX XXXX  Account # XXXX * * * * * * * * * * * * * * * XXXX XXXX XXXX Account # XXXX * * * * * * * * * * * * * * * Verification Requested State of MI XXXX XXXX Account # XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Please provide details of verification for this item. 

Charge-Offs DiscoverCard Account # XXXX * * * * * * * * * * * XXXX XXXX  Account # XXXX * * * * * * * * * * * XXXX  XXXX  XXXX Account XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX XXXXXXXX  Account # XXXX * * * * * * * * * XXXX Account # XXXX * * * * * * * * * * * * * * * Late Payments ( Closed/Paid ) XXXX XXXX  Account # XXXX * * * * * XXXX * * * * * * * * * XXXX. XXXX XXXX XXXX XXXX Account # XXXX * * * * * * * * ( Multiple entries ) Legal Basis for Dispute Under the FCRA : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Upon notice of a dispute, a CRA must conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) : If information can not be verified, it must be deleted.

15 U.S.C. 1681i ( a ) ( 7 ) : I am entitled to a complete description of the method used to verify each disputed item.

15 U.S.C. 1681g : I have a right to receive my full consumer file disclosure. 

Demands and Consumer Rights I am requesting the following actions be taken immediately : A full reinvestigation of each item listed above. 

Removal or correction of all inaccurate, incomplete, or unverifiable entries. 

A written explanation of the method of verification, including : Description of procedures used ; Names and contact details of any individuals or entities consulted ; Copies of any documentation relied upon. 

A full consumer file disclosure, including : All information in my file as of the date of this request ; A list of all soft and hard inquiries with dates and purposes ; Copies of any certifications from third parties who accessed my report. 

Correction of XXXX XXXX I am also demanding the immediate deletion of all inaccurate, outdated, or unverifiable personal identifiers, including incorrect addresses and employer names. 

Only the following personal information is accurate and should remain : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Last XXXX SSN Digits : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Response Requirements and Deadlines Respond within 30 days regarding the reinvestigation ( 15 U.S.C. 1681i ( a ) ).

Provide a full method of verification within 15 days ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

All responses must be sent via postal mail only. I do not consent to electronic communication for this matter.

Failure to comply with these requirements may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office, as well as potential legal action for damages under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief