Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
I am filing this complaint against Equifax for its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ). Equifax has not conducted a fair or reasonable reinvestigation of the numerous disputed items on my credit report, and has failed to remove or correct clearly inaccurate information. 

Under the FCRA, Equifax is legally required to perform a reasonable investigation when a consumer disputes the accuracy of information in their file and to delete any item that can not be verified. I have submitted disputes to Equifax, yet the following inaccurate information remains without adequate verification or explanation. 

Inaccurate Personal Information Must Be Removed XXXX XXXX ( This is not my name and does not belong on my report ) Incorrect Addresses Must Be Deleted Equifax continues to report the following addresses that are not associated with me in any capacity : XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX Accounts Not Properly Investigated Despite my prior disputes, Equifax has failed to properly investigate the following accounts, which are either not mine, are inaccurately reported, or have not been verified with proper documentation : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX Dept of EdXXXX : XXXX Dept of EdXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( Account number unknown ) These accounts were never validated with supporting documents or verifiable information. Equifax has not provided any method of verification or meaningful explanation as to why these remain on my file. 

Unauthorized Hard Inquiries Must Be Deleted I did not authorize the following inquiries and they should not appear on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax is reporting a XXXX  public record listed under : XXXX XXXX  XXXX, VA XXXX This entry is inaccurate and has not been verified with the court directly, as required. Equifax must not report public records that were not obtained and validated from the original public record source, not third-party vendors.

Request for Method of Verification Equifax has not provided any information regarding how it conducted its reinvestigation of the disputed items listed above. Therefore, I am formally demanding, as permitted under the FCRA, that Equifax disclose the following for each disputed item : The method of investigation used The name and contact information of the data furnisher Any and all documentation provided by the furnisher or public record source used to support continued reporting of the disputed items If Equifax can not provide this information, the items must be immediately deleted from my credit file.

Requested Action I am requesting that the Consumer Financial Protection Bureau ( CFPB ) : Open an investigation into Equifaxs lack of compliance with the FCRA ; Compel Equifax to conduct a fair and thorough reinvestigation of each disputed item ; Require Equifax to delete all inaccurate names, addresses, accounts, inquiries, and the unverified bankruptcy ; Ensure that Equifax provides a detailed method of investigation, including data furnisher contact details and all supporting documentation. 

Equifaxs failure to investigate these items and provide verification is harming my credit profile and violating my consumer rights. 

Thank you for your assistance in addressing this serious matter.

Company response to consumer: Closed with non-monetary relief