Consumer complaint received 2025-10-27 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: OK

Complaint narrative:
Equifax Information Services LLC XXXX XXXX  XXXX, GA XXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Personal Information Confirmation XXXX XXXX XXXXXXXX Full Name : XXXXXXXX XXXX XXXXXXXX Current XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute inaccurate personal information on my Equifax credit file, referenced above. Under the Fair Credit Reporting Act ( FCRA ), I have the right to demand the correction of any information that is incomplete, inaccurate, or that can not be verified. 

The integrity of my personal data is of paramount concern, especially in light of two major data breaches that have compromised my sensitive information : 1. The massive XXXX Equifax data breach that compromised the sensitive information of nearly XXXX XXXX consumers, including my own. 
2. The recent XXXX XXXX XXXX data breach, for which I received a notification letter dated XX/XX/XXXX This breach exposed my personal, health insurance, and financial data. 

The presence of numerous inaccuracies in my Equifax personal information section, viewed in the context of these significant breaches, raises serious concerns about the security and accuracy of my entire credit profile. It suggests potential vulnerabilities, identity theft risks, and file commingling stemming from these systemic failures. 

I request that you immediately investigate and permanently remove the following inaccurate personal information from my file : 1. Inaccurate Names : XXXX XXXX This is an incomplete version of my legal name. My full and correct legal name is XXXX XXXX XXXX. 

2. Inaccurate and Unfamiliar Addresses : The following addresses are inaccurate and do not belong to me.I have never resided at these locations. Their presence on my report is a direct indicator of inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Given that my data has been exposed in multiple large-scale breaches, including Equifax 's own, it is imperative that my credit file is meticulously accurate to prevent fraud and further harm. Per your obligations under the FCRA, you must conduct a reasonable reinvestigation of these disputed items, typically within 30 days, and remove any information that you can not verify. 

Please complete your investigation and provide me with a free, updated copy of my credit report reflecting all corrections. Furthermore, pursuant to the FCRA, you must notify all national credit bureaus to whom you furnished this inaccurate data of any corrections you make. 

I am writing to formally dispute multiple inaccurate accounts and personal information on my Equifax credit report. The same inaccurate accounts are being reported across the credit reporting ecosystems. 

For your reference, I have attached the following : 1. A complete copy of the dispute letter I have sent to XXXX which details each account and the specific legal basis for its deletion.

2. A copy of my XXXX credit report, which is currently marked " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' This federal freeze on my XXXXXXXX file is a clear indicator that the data furnished by these creditors is unreliable and subject to legal scrutiny. It is evidence of a systemic failure in data integrity. 

I demand that Equifax conduct a proper reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ) and immediately delete all accounts matching those listed in the attached XXXX  dispute. Continuing to report this same unverifiable and inaccurate information exposes Equifax to liability under the FCRA. 

The accounts in question are listed in detail in the attached dispute letter. I expect a full investigation and deletion of these items. 

I take the accuracy of my credit report very seriously, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities if it is not resolved promptly and thoroughly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief