Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am submitting this dispute regarding inaccurate information on my credit report. I am invoking my rights under federal law and expect this dispute to be handled with full compliance, without delay, obstruction, or misrepresentation.

Your company has been legally reprimanded multiple times for failing to properly investigate consumer disputes, including but not limited to : Equifax ( XXXX ) Fined {$15.00} XXXX by the Consumer Financial Protection Bureau ( CFPB ) for systemic failures in handling consumer disputes, ignoring submitted documentation, and allowing previously deleted errors to reappear. 
XXXX  ( XXXX ) Sued by the CFPB for engaging in fraudulent dispute resolution practices, including re-inserting inaccurate data without proper investigation. 
XXXX  ( XXXX ) Lost a {$60.00} XXXX federal jury verdict for violating the FCRA by falsely labeling consumers as high-risk individuals on government watchlists, causing extensive financial harm. 
MANDATORY RESPONSE REQUIREMENT To ensure my dispute is processed correctly, I request a written response sent to the following address : I also require written confirmation of receipt of this dispute within 14 business days of your receiving it. 
NOTICE OF LEGAL ACCOUNTABILITY Your failure to investigate and correct inaccurate information would constitute a violation of 15 U.S.C. 1681i ( failure to reinvestigate ) and may also trigger penalties under 15 U.S.C. 1681n & 1681o, which provide for statutory damages, actual damages, punitive damages, and reimbursement of attorneys fees in the event of noncompliance.

THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY. I expect full compliance, and failure to respond appropriately will result in formal complaints being filed with the CFPB, FTC, and my State Attorney Generals office. 
Sincerely, Page 1 of 4 Equifax Information Services, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. 
Below is a summary of the data in which I am challenging : Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me so it can help with future transactions. If you can delete any names in your system that don't match that would be great. 
CURRENT ADDRESS : XXXX, XXXX XXXX  XXXX XXXX, XXXX, FL XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or XXXX XXXX standards. Please delete any address in your system that does not match my address of XXXX  XXXX XXXX I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
Appreciatively Please send your written response to my address I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that Page 2 of 4 each dispute and challenge must be addressed individually and on its own merits.My letters notice were created by me. If you don't process my letters, you are violating my rights. I will consider this to be an intentional disregard of my rights, and I will take legal action.

Company response to consumer: Closed with explanation