Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
I am writing to formally dispute the presence of incorrect name variations and mixed credit file information appearing on my credit report. My legal name is : XXXX XXXX XXXX XXXX However, my credit file is currently showing multiple incorrect and unauthorized name variations, including : XXXX XXXX XXXX XXXX my father XXXX XXXX XXXX my grandfather XXXX XXXX my great-grandfather These individuals are separate people with their own credit histories, and NONE of their information, accounts, or name identifiers should appear anywhere in my credit file.

FCRA VIOLATION You Are Maintaining a Mixed File The credit bureaus are legally required to maintain files under the correct name, Social Security number, and identifying information. The inclusion of my fathers, grandfathers, and great-grandfathers names on my file constitutes a mixed/commingled credit file, which is prohibited under the Fair Credit Reporting Act ( FCRA ).

Under FCRA 609 ( a ) and 611, I am entitled to : An accurate credit report containing only my identifying information, a complete reinvestigation of disputed information, the deletion of any unverifiable or inaccurate personal information, and a corrected report.

The bureaus have previously stated that these names can not be removed because accounts with these name variations appear under my Social Security number.

This explanation is unacceptable, illogical, and a violation of the FCRA * *. * * If any accounts associated with these incorrect names appear under my SSN, this indicates : A serious file-matching error, OR An identity merge, OR A failure to properly maintain the integrity of identifying information.

In any of these cases, the bureaus are required to fix the problemnot refuse correction.

I formally demand that you : Remove ALL incorrect name variations from my credit file.

The only name that should appear is : XXXX XXXX XXXX XXXX Conduct a full reinvestigation under FCRA 611, including manual review if necessary, to identify and remove : Any accounts, identifiers, or credit data associated with XXXX XXXX XXXX XXXX ( my father ) XXXX XXXX XXXX ( my grandfather ) XXXX XXXX ( my great-grandfather ) Any information that does not belong to me personally.

Provide written confirmation that : All incorrect names have been deleted, Any mixed-file or identity-matching errors are corrected, And my file is now isolated solely to my identity.

Provide an updated, free copy of my credit report showing the corrections.

If the credit bureaus fail to correctly reinvestigate and remove these inaccuracies, I will proceed with : Filing complaints with the CFPB, FTC, and state attorney general, requesting a full consumer file disclosure under FCRA 609 ( a ) ( 1 ), and seeking legal remedies for damages resulting from a mixed credit file under FCRA 616617.

I expect written confirmation within the required FCRA timelines.

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation