Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
I am submitting this formal complaint against Equifax Information Services LLC for its repeated and ongoing failure to correct inaccurate personal informationspecifically, my legal nameon my credit file, despite numerous properly submitted requests and supporting documentation over the course of more than six months. 
Summary of the Issue : My correct legal name is : XXXX XXXX XXXX. 
Equifax continues to report an incorrect or outdated version of my name, which has : Prevented me from accessing my MyEquifax.com account ; Caused disruptions in my ability to monitor or correct inaccuracies in my credit file ; Led to financial hardship and damage to my livelihood. 
Attempts to Resolve with Equifax : Since XX/XX/XXXX, I have made multiple attempts to formally dispute and correct this error : XX/XX/XXXX Sent first written dispute with supporting documentation via certified mail. 
XX/XX/XXXX Sent second written notice with same documentation requesting correction and access. 
XX/XX/XXXX Sent a third and final certified letter ( attached ), again including all required proof of identity : U.S. Passport ( government-issued ID ) Social Security card ( with only last 4 digits visible for security ) Proof of current address ( utility bill or bank statement ) Despite these efforts and compliance with Fair Credit Reporting Act ( FCRA ) guidelines, Equifax has failed to correct the error or respond with any meaningful resolution. 

In addition, I have spent over XXXX hours speaking with Equifax customer service since XX/XX/XXXX. These phone calls have been frustrating, fruitless, and have yielded no progress or acknowledgment of the documentation I submitted. 

Impact of Equifaxs Inaction This persistent inaccuracy has caused significant harm, including but not limited to : Denial of access to credit monitoring and dispute services through MyEquifax.com ; Inability to dispute potential credit reporting errors ; Financial hardship due to delays or denials of credit opportunities ; Loss of time, income, and emotional distress ; Damage to my financial credibility and reputation. 

What I Am Requesting I am asking the CFPB to intervene and assist in compelling Equifax to : Immediately correct my legal name on my credit file to : XXXX XXXX XXXX Restore full access to my MyEquifax.com portal ; Investigate and correct any credit report discrepancies that may have resulted from the incorrect name ; Provide written confirmation of the completed corrections and steps taken ; Be held accountable for their failure to respond in a timely and lawful manner under the Fair Credit Reporting Act ( FCRA ). 

Attached Supporting Documentation Copy of the most recent formal dispute letters Certified mail receipts ( where available ) Tracking Number : XXXX Identification documents submitted with each dispute : U.S. Passport Social Security card ( last 4 digits visible only ) Proof of address I appreciate your immediate attention to this complaint. Equifaxs continued inaction has caused measurable harm to my livelihood and peace of mind, and I am exercising my rights under the FCRA to seek intervention and correction. 

Sincerely, Record of Representative initially handled dispute XXXX, Transferred to Supervisor XXXX Complaint # XXXX who Escalated the call to XXXX w/ XXXX Team, who disconnected the call. Did not attempt to hear my concerns after being on the call for over XXXX hours on XX/XX/XXXX. Also, XXXX XXXX and XXXX XXXX, who has no knowledge on how to address my concerns.

Company response to consumer: Closed with explanation