Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
I am filing this formal complaint against Equifax for failure to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX2025, I submitted a written dispute to Equifax requesting reinvestigation and correction of multiple inaccurate, unverifiable, and outdated data entries on my consumer credit report. 

Despite this, Equifax has not responded adequately or within the mandated 30-day timeframe with documentary evidence or compliance-based verification of the disputed information. This inaction is a violation of : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) failure to reinvestigate disputed information ; 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete inaccurate or unverifiable items ; 15 U.S.C. 1681i ( a ) ( 6 ) failure to notify the consumer of the investigation results.

PERSONAL INFORMATION ERRORS : | Item Code | Disputed Entry | Issue | | -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | PI-01 | Employer : XXXX XXXX  | Not my current/former employer ; violates 1681e ( b ) | | PI-02 | Name : XXXX A XXXX | Incomplete full legal name is XXXX XXXX XXXX | | PI-03 | DOB : XX/XX/XXXX | Not verified ; not recognized as legally correct | | PI-04 | Address : XXXX XXXX XXXX XXXX XXXX XXXX | Inaccurate ; not XXXX recognized deliverable format | ACCOUNTS : | Item Code XXXX Furnisher | Account # | Dispute Summary | | -- -- -- -- - | -- -- -- -- -- - | -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | XXXX | XXXX | XXXX | Derogatory history with no supporting documentation post-payment | | XXXX XXXX XXXX XXXX XXXX XXXX | Dates inconsistent ; payment history not accurate | | XXXX | XXXXXXXX XXXX XXXX | XXXX | Settled via tax offset; negative reporting continues | | XXXX | XXXX | XXXX | Late marks without validation ; consumer never notified about repayment terms | COLLECTIONS : | Item Code | Agency | Account # | Dispute Summary | | -- -- -- -- - | -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | XXXX | XXXX XXXX | XXXX, XXXX | Reporting lacks validation ; open date unconfirmed | | XXXX | XXXX XXXX | XXXX | Incorrect and unverifiable charge-off | | XXXX | XXXX | XXXX | Charge-off reported without verifiable consent or proof of debt | PUBLIC RECORDS : | Item Code | Record Type | Reference # | Dispute Summary | | -- -- -- -- - | -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | XXXX | Federal Bankruptcy | XXXX | Court name not listed ; missing jurisdictional and procedural compliance | INQURIES : | Item Code | Creditor | Date | Dispute Summary | | -- -- -- -- - | -- -- -- XXXX | -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | XXXX | XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX | No permissible purpose violation of 15 U.S.C. 1681b | Summary of Violations Equifax has failed to investigate or delete disputed entries within the 30-day window mandated by 15 U.S.C. 1681i ( a ) ( 1 ). 
Equifax has continued reporting unverifiable or outdated personal and account data, breaching 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ).

Equifax has not provided a written explanation or documentation of reinvestigation results, which violates 15 U.S.C. 1681i ( a ) ( 6 ).

Company response to consumer: Closed with non-monetary relief