Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
Subject : Formal FCRA Dispute, Request for Full File Disclosure, and Method of Verification To Whom It May Concern : I recently obtained a copy of my credit report from XXXX and identified multiple discrepancies that must be addressed promptly. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am formally disputing the accuracy of the information listed below and requesting a reinvestigation. This letter also serves as a request for a full file disclosure under 15 U.S.C. 1681g and a demand for the method of verification per 15 U.S.C. 1681i ( a ) ( 7 ). 

Please note that this is a targeted and lawful dispute. I am not seeking automated or template responses. I have personally drafted this letter and included all necessary identification to facilitate a swift and compliant response. Under federal law, you are required to conduct a complete and good-faith reinvestigation of all disputed items, including but not limited to tradelines, associated data fields, and reporting codes. 

Disputed Items 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 3. Charge Off XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * Please supply information on how you have verified this item. 

4. Collection XXXX XXXX XXXX Account Number : XXXX * * * * * * * Please supply information on how you have verified this item. 


These entries are either inaccurate or unverifiable. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), any item that can not be verified must be removed entirely. 

FCRA Compliance Summary 15 U.S.C. 1681e ( b ) You must maintain procedures to ensure the maximum possible accuracy of consumer data. 

15 U.S.C. 1681i ( a ) You are required to reinvestigate disputed information thoroughly and in good faith. 

15 U.S.C. 1681i ( a ) ( 7 ) You must provide a clear and complete method of verification. 

Requested Actions I am requesting the following : A reinvestigation of each disputed item listed above. 

Immediate correction or deletion of all inaccurate or unverifiable data. 

The full method of verification, including : A description of the procedures used during verification ; The names and contact details of all entities or individuals consulted ; Copies of any documentation used to verify the disputed information. 

A full consumer file disclosure as defined by 15 U.S.C. 1681g, including : All data in your records at the time of this request ; A list of all soft and hard inquiries with corresponding dates and purposes ; Copies of certifications from all third parties who have accessed my file. 

Correction of Personal Information In addition, please update and maintain only the correct identifying information, and delete all outdated or inaccurate personal data, including : Name variations Incorrect SSN digits Previous addresses, phone numbers, or employers Accurate Identifiers to Retain Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Last XXXX SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Deadlines and Contact Instructions Per 15 U.S.C. 1681i ( a ), you are required to respond to this dispute within 30 days. Additionally, you must provide the method of verification within 15 days as required under 15 U.S.C. 1681i ( a ) ( 7 ). 

Please send all responses via postal mail only. I do not authorize electronic communication regarding this matter. 

Failure to comply may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. I may also pursue legal remedies for actual and statutory damages under the FCRA. 

Thank you for your prompt attention to this matter. I expect full compliance in accordance with the law.

Company response to consumer: Closed with non-monetary relief