Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint to report the inaccurate reporting of personal and account information on my credit report, along with the failure of the consumer reporting agency to conduct a lawful and complete reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

I obtained a copy of my credit report from XXXX and identified several errors that require immediate correction. This dispute is being submitted directly by me, not by a third party. I have already submitted supporting documentation to verify my identity and current information. 

Disputed Information Incorrect Name Reported : XXXX XXXX XXXX Incorrect Current Address Reported : XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Employer Reported : XXXX XXXX XXXX Late Payment ( Open ) Creditor : XXXX Account Number : XXXX * * * * Unauthorized Inquiry XXXX  Date of inquiry : XX/XX/XXXX Legal Basis for Complaint I am invoking my rights under the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Right to a full and fair reinvestigation of any disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable information must be deleted from the consumers file.

15 U.S.C. 1681i ( a ) ( 7 ) Right to receive the method of verification used to confirm the disputed data.

15 U.S.C. 1681g Right to a full file disclosure of all information in the consumer 's file. 

Despite my original dispute and submission of identity documents, the consumer reporting agency has failed to correct or delete the inaccurate information and has not provided a proper method of verification as required by law. 

Requested Action I am requesting that the CFPB require the consumer reporting agency to : Reinvestigate the personal and account information listed above in accordance with FCRA standards. 

Delete or correct any data that can not be verified with legally sufficient documentation. 

Provide the method of verification, including : A description of the procedures used during reinvestigation ; The name, address, and contact details of any data furnisher or third party contacted ; All documentation relied upon for verification. 

Provide a complete consumer file disclosure including : All data in my file at the time of this request ; A list of all soft and hard inquiries with dates and reasons ; Copies of certifications from any party that accessed my credit file. 

Correct and Verifiable Personal Information Full Legal Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX High XXXX XXXX XXXX XXXX, Michigan XXXX Failure to Respond or Comply The credit bureau is required to respond within XXXX  days per 15 U.S.C. 1681i ( a ) and provide the method of verification within 15 days under 1681i ( a ) ( 7 ). All responses must be mailed ; I do not authorize electronic communications regarding this dispute. 

If they fail to respond or comply, I am prepared to seek enforcement through regulatory action or civil litigation for violations of 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief