Consumer complaint received 2025-02-27 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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX **Re : Demand for Immediate Correction of Personal Information on Consumer Report** To Whom It May Concern : This letter serves as a formal demand for Equifax to immediately correct and update my personal information on my consumer report. Currently, the report contains multiple entries for my name, address, and employer, which are outdated, inaccurate, and misleading. These discrepancies are not only confusing but also constitute a violation of your statutory obligations under the **Fair Credit Reporting Act ( FCRA ) **. 
To resolve this issue, I demand that my consumer report reflect only the following accurate and current information : 1. **Name : ** XXXX XXXX XXXX XXXX XXXX. **Address : ** XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. **Employer : ** XXXX XXXXXXXX XXXX XXXX Legal Basis for Demand 1. **Fair Credit Reporting Act ( 15 U.S.C . 1681e ( b ) ) : ** The FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The continued reporting of multiple, inaccurate personal details constitutes a direct violation of this provision. 

2. **Fair Credit Reporting Act ( 15 U.S.C . 1681i ( a ) ) : ** Under this section, consumers have the right to dispute inaccurate information, and credit reporting agencies are required to conduct a timely and thorough investigation. If the information is found to be inaccurate or incomplete, the agency must promptly delete or correct it. 

3. **Relevant Case Law : ** In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ), the court emphasized that credit reporting agencies must take reasonable steps to ensure the accuracy of the information they report, particularly when inaccuracies are brought to their attention. This precedent underscores your obligation to act swiftly and thoroughly to correct errors in my personal information. 

Demands for Corrective Action I demand that Equifax take the following corrective actions within **30 days** of receiving this letter : 1. Update My Personal Information : ** Immediately delete all outdated and inaccurate entries related to my name, address, and employer, retaining only the accurate details provided above.

2. Written Confirmation : ** Provide written confirmation that these changes have been made and that my consumer report reflects only the accurate, current information.

3. Verification Details : ** If Equifax disputes my claim, you must provide a detailed explanation of the investigation process and the evidence relied upon to justify the continued reporting of inaccurate information. 

Consequences of Non-Compliance Failure to comply with this demand will leave me no choice but to escalate this matter by : - Filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **. 
- Initiating legal action under the FCRA to seek remedies for damages caused by your non-compliance, including statutory damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o. 

This letter represents a good-faith effort to resolve this matter amicably. However, if Equifax does not comply promptly and fully with its legal obligations, I am prepared to pursue all available remedies to enforce my rights. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief