Consumer complaint received 2025-09-07 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: GA

Complaint narrative:
I am filing this complaint because all three credit reporting agencies Equifax, Experian, and TransUnion continue to report false personal identifying information on my consumer file even after multiple disputes. This is happening despite the fact that my private information was compromised in both the Equifax data breach and the XXXX data breach, which already exposed me to heightened risk of identity theft. 

Each bureau has attached incorrect names and addresses to my file that do not belong to me, have never been used by me, and can not be substantiated. These errors are not minor ; they create a misleading identity profile, open the door to mixed files or identity theft, and damage my credibility with creditors and insurers. 

Examples of False Identifiers Being Reported : Incorrect Names : XXXX XXXX XXXX and XXXX XXXX ( I have never legally used or been known by these names ). 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XXXX XXXX, XXXX GA, and XXXXXXXX XXXX XXXX XXXXXXXX CO ( I have never resided at or been associated with these addresses ).

I have formally disputed these identifiers multiple times, yet the credit bureaus continue to verify them without providing any proof or supporting documentation. Under the FCRA, unverifiable or inaccurate information must be deleted, not verified. Instead, I continue to receive generic form-letter responses that ignore the specific details and evidence I provided.

Violations The following laws and standards are being violated by the bureaus handling of my disputes : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy by reporting false names and addresses. 
FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; unverifiable identifiers remain on my file.

FCRA 1681c-2 : Failure to block fraudulent or identity-theft-related information within 4 business days of notice.

FCRA 1681g ( a ) ( 1 ) : Requirement to disclose accurate file information to the consumer is not being met.

FCRA 1681n and 1681o : The bureaus are exposed to civil liability for willful and negligent noncompliance.

Gramm Leach Bliley Act ( 15 USC 6801 ) : Unauthorized storage and disclosure of nonpublic personal information.

Georgia Personal Identity Protection Act ( O.C.G.A. 10-1-910 et seq. ) : Failure to safeguard my identity data after known breaches.

Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) : Deceptive practice of misreporting personal identity data.

Consumer Harm Because of these violations, I am suffering : Ongoing risk of identity theft and file mixing due to false names and addresses tied to my report.

Suppressed credit opportunities, since creditors may view my file as inconsistent or fraudulent.

Emotional distress and wasted time repeatedly disputing items that the bureaus refuse to investigate properly.

Resolution Requested I demand that the CFPB require Equifax, Experian, and TransUnion to : Permanently delete all false identifiers ( incorrect names and addresses ) from my credit files.

Provide me with updated copies of my credit reports confirming these deletions.

Disclose the full method of verification for any identifier they attempt to keep, including the source of the data, the documentation reviewed, and the identity of the furnisher representative who verified it.

Enforce penalties for willful or negligent noncompliance with the FCRA and Metro2 standards.

Closing I am not asking for corrections or remarks. I am demanding permanent deletion of all false names and addresses tied to my file. As a victim of both the Equifax and XXXX breaches, I can not allow inaccurate identifiers to remain in my reports. They are unverifiable, misleading, and harmful.

Company response to consumer: Closed with non-monetary relief