Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Re : Notice of Dispute Under FCRA Inaccurate Information on Credit Report Confirmation XXXX XXXXXXXX ; Prior CFPB Complaint XXXX XXXXXXXX Dear Equifax XXXX  Department XXXX This is my formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXXXXXX et seq., regarding inaccuracies on my Equifax credit report dated XX/XX/XXXX ( Confirmation XXXX XXXX ). Despite my prior CFPB complaint on XX/XX/XXXX, and your interim response acknowledging partial corrections after I provided verification documents ( Driver 's License, Utility Bill, and Social Security Card ), my report still contains errors. These include an incorrect name and accounts that do not belong to me, likely due to an identity mix-up. I am not seeking to sue but request the removal of these inaccurate items and correction of my name. 
Under FCRA XXXX ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information within XXXX  days, notify furnishers, and delete unverifiable or inaccurate data. Additionally, under XXXX ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Failure to comply violates these consumer protections. I also require the full name, title, and contact information of the individual ( XXXX ) who verified the disputed accounts to ensure proper review. 
Disputed Items : Inaccurate Name : My legal name is XXXX XXXX XXXX. Please remove the incorrect variation " XXXX XXXX XXXX '' and reevaluate all data for accuracy. 
Unauthorized XXXX  Inquiries ( No Permissible Purpose under 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 XXXX XXXX XXXX  Please delete these, as they were unauthorized and affect my credit score. 


Inaccurate Negative Accounts ( Unverifiable under XXXX ( a ) ( XXXX ) ) : XXXX XXXX XXXX  ( Auto Loan, Acct XXXX XXXXXXXX ) : Closed/repossession with delinquencies from XX/XX/XXXX. This is not mine. 
XXXX XXXX XXXX ( Secured Loan, Acct XXXX XXXX ) : Closed/charge-off with delinquencies from XX/XX/XXXX. Not my account. 
XXXX XXXX XXXX XXXX XXXX ( Collection for XXXX XXXX, Acct XXXX XXXX ) : Unpaid collection from XX/XX/XXXX, delinquency XX/XX/XXXX. Not mine. 
XXXX ( XXXX for XXXX XXXX XXXX XXXX Acct XXXX XXXX ) : Unpaid collection from XX/XX/XXXX, delinquency XX/XX/XXXX. Not mine. 
XXXX XXXX XXXX XXXX ( Debt Buyer Account, Acct XXXX XXXX  ) : Closed with {$1300.00} balance, delinquencies from XX/XX/XXXX. Not mine. 
XXXX XXXX XXXX  ( Installment Sales Contract, Acct XXXX XXXXXXXX ) : Closed/charge-off with {$3900.00} balance, delinquencies from XX/XX/XXXX. Not mine. 

Please remove these accounts as they are inaccurate. 



Under XXXX ( a ) ( XXXX ), reinvestigate within XXXX  days, notify furnishers, delete unverifiable/inaccurate information, and suppress it during review. Provide the name, title, and contact details of the person ( XXXX ) who verified these accounts. Send an updated report confirming corrections. I appreciate your cooperation to resolve this without legal action. Contact me only at the above address/email. Enclosed : Report excerpts. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief