Consumer complaint received 2025-09-08 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:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Phone : XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Personal Information Names, Addresses, and Employer Records ( FCRA XXXX ( b ), XXXX ; XXXX U.S.C. XXXX ( a ) ( XXXX ) ) Dear Credit Bureau XXXX XXXX am disputing the accuracy of the personal identifying information being reported on my consumer credit files. This information is incomplete, inaccurate, and misleading in violation of XXXX XXXX. XXXX ( b ) ( duty to ensure maximum possible accuracy ) and XXXX XXXX. XXXX ( duty to reinvestigate ). 

Disputes submitted through CFPB.gov must be treated the same as direct disputes under XXXX XXXX. XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX XXXX XXXX  Personal Information in Dispute * * TransUnion * * - Incorrect Names : XXXX XXXX and XXXX XXXX Remove. 
- Incorrect Address : XXXX XXXX, XXXX, GA XXXX Remove. 
- Correct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Incorrect Addresses : - XXXX XXXX XXXX XXXX, XXXX, OH XXXX - XXXX XXXX XXXX XXXX XXXX, OH XXXX - Remove all incorrect addresses. 
- Incorrect Employer : XXXX XXXX of Ohio Remove. 
- Correct Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX Correct Employer : XXXX XXXX  None ( no employer should be listed without authorization ). * * * * Equifax * * - Incorrect Name : XXXX XXXX Remove. 
- Incorrect Addresses : - XXXX XXXX XXXX XXXX, XXXX, OH XXXX - PO Box XXXX, XXXX XXXX, WV XXXX - XXXX XXXX XXXX XXXX, XXXX, OH XXXX - Remove all incorrect addresses. 
- Correct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXXXXXX XXXX XXXX  -- XXXX XXXX XXXX XXXX  Applicable FCRA Provisions & Guidance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRAs must maintain reasonable procedures to assure maximum possible accuracy of consumer information. 
- * * XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : * * CRAs must reinvestigate disputed information within XXXX  days. 
- * * XXXX XXXX. XXXX ( a ) ( XXXX ) : * * Inaccurate, incomplete, or unverifiable information must be corrected or deleted. 
- * * XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : * * If verified as accurate, CRAs must provide a XXXX of XXXX ( MOV ). 
- * * XXXX XXXX. XXXX ( a ) ( XXXX ) : * * Disputes submitted via CFPB.gov must be treated no differently than direct disputes. 
- * XXXX XXXX Trans Union XXXX *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must conduct more than superficial investigations. 
- * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Misleading or incomplete information constitutes inaccuracy. 
- * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Cir. XXXX ) : Duplicate or misleading reporting of identity data is unlawful. 

FTC and CFPB guidance confirm that names, addresses, and employer data must be accurate and not misleading, as they affect credit eligibility, fraud risk, and identity verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Request If any incorrect name, address, or employer entry is verified as accurate, I demand XXXX  under XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), including within XXXX days of completion : - The name, address, and phone number of each furnisher or source used to verify the personal information ; - The method used to verify ; - Copies of all documents relied upon. 

XXXX XXXX XXXX XXXX XXXX Requested XXXX- Remove all inaccurate names ( XXXX XXXX, XXXX XXXX ). 
- Remove all inaccurate addresses ( see bureau-specific listings above ). 
- Remove inaccurate employer ( XXXX XXXX of Ohio ). 
- Correctly report my full name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Correctly report my address as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, OH XXXXXXXX XXXX XXXX 
- Remove any unverifiable or conflicting identifiers from my file. 
- Provide written confirmation of all corrections and deletions. 

XXXX XXXX XXXX XXXX XXXX  Compliance Deadlines- XXXX days for reinvestigation ( XXXX ( a ) ( XXXX ) ( A ) ). 
- XXXX  days for XXXX  after completion if items are verified ( XXXX ( a ) ( XXXX ) ( B ) ( iii ) ). 

-- - XXXX XXXX XXXX Preservation of Rights This letter serves as formal notice that I am preserving all rights under the FCRA and state law. If inaccurate or unverifiable personal information remains, I will escalate with the CFPB, FTC, and Ohio Attorney General and pursue remedies under XXXX and XXXX for statutory damages, actual damages, attorneys fees, and costs. 

Enclosures : For purposes of identity verification and to substantiate my correct personal information, I am including the following supporting documents : - Copy of my valid State Identification Card ( proof of identity and current address ) - Copy of my Birth Certificate ( proof of legal name and date of birth ) - Recent Pay Stub displaying my Social Security number and current address ( proof of employment, address, and Social Security number ) Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation