Consumer complaint received 2025-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Equifax Experian TransUnion Subject : Personal Information Dispute Under FCRA Request for Immediate Correction and Deletion of Inaccurate Data Dear Credit Bureau Representative, I am formally disputing the accuracy and completeness of the personal identifying information listed on my credit file. This dispute is being submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which grants consumers the right to dispute any inaccurate or incomplete information on their credit report. 

Upon reviewing my credit file, I have identified multiple incorrect names, Social Security number variations, dates of birth, addresses, and employers that are not associated with me. The continued reporting of these inaccurate personal identifiers presents a serious risk of identity confusion, fraud, and misattribution of credit dataall violations of your obligation to report with maximum possible accuracy under FCRA 1681e ( b ). 

Requested Corrections : Correct Name : Keep : XXXX XXXX Remove all other names, aliases, or variations. 

Correct Date of Birth : Keep : XX/XX/XXXX Remove any incorrect DOBs. 

Correct Social Security Number ( Last Four ) : Keep : XXXX Remove any SSN variations that do not match. 

Correct Employer : Keep : XXXX XXXX XXXX XXXX XXXX XXXX Remove all other employers not associated with me. 

Correct Address : Keep : XXXX XXXX XXXX XXXX XXXX XXXX Remove all other past or unverified addresses. 

Keep : XXXX Remove all other email addresses. 
Keep : ( XXXX ) XXXX Remove all other phone numbers not associated with me. 

Legal Basis for Dispute : FCRA 1681e ( b ) : Requires that credit bureaus maintain and report consumer data with " maximum possible accuracy. '' FCRA 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable reinvestigation upon receiving notice of a dispute. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established that credit bureaus must go beyond parroting inaccurate information and conduct independent verification. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Clarified that technically accurate but misleading information still violates the FCRA. 

Requested Action : If you verify any of the disputed personal information as accurate, I formally request the Method of Verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Please provide the following within 15 days of the conclusion of your reinvestigation : - A detailed description of the method used to verify the disputed personal information - The name and contact information of the entity that verified the data - Copies of any documentation or records used in the verification process - If the disputed personal data can not be fully verified with supporting evidence, it must be corrected or deleted in accordance with the FCRA. 
- Immediately remove or correct all inaccurate or inconsistent personal identifiers listed above. 
- Update my file to reflect only the correct, verified information. 
Provide written confirmation of the changes made within 30 days, as required by law. 

Please consider this notice a formal dispute. If this information can not be verified with supporting documentation, it must be deleted immediately. 

Thank you for your prompt attention to this matter. 

Enclosed Is a copy of my state id for proof of identity bank statement for proof of address screenshot for inaccuracy reporting paystub for proof of employment Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief