Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX I am writing to request immediate corrections and updates to the personal information being reported on my credit profile. Inaccurate or outdated personal data can result in misattributed accounts, improper verification, and harm to my creditworthiness a direct violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) which mandates maximum possible accuracy of information in consumer files.

Below is a detailed list of corrections, organized by each credit bureau. Please treat this dispute with urgency and ensure that all outdated or incorrect information is removed and my credit file is updated accordingly. 

TRANUNION Please Update and Remove the Following : Correct Social Security Number Update SSN on file to end in : XXXX Employment Information Add employer : XXXX XXXX  Remove Inaccurate/Outdated Addresses : XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EQUIFAX Please Update and Remove the Following : Employment Information Add employer : XXXX XXXX Remove Inaccurate/Outdated Addresses : XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX EXPERIAN Please Update and Remove the Following : Employment Information Remove : XXXX Remove : XXXX XXXX XXXX  XXXX : XXXX XXXX Remove Inaccurate/Outdated Addresses : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Legal Basis for This Request : FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual.

FCRA 611 ( a ) : Provides consumers the right to dispute any information they believe to be incomplete or inaccurate and obligates CRAs to correct or delete that information after a reasonable reinvestigation. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Inaccurate personal identifiers can result in misreporting that violates the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit bureaus must thoroughly reinvestigate disputed information, not blindly rely on existing entries. 

Requested Action : Please complete the reinvestigation process and update my consumer file accordingly. If these changes can not be made, I request : A written explanation of why The name and contact information of the source providing the disputed data The procedures used in verifying the accuracy of the reported information I request that all corrected personal information be reflected in my updated credit reports and that confirmation be sent to the address listed above.

Attached is a copy of my state identification for verification, bank statement for proof of address and my paystub for proof of employment & a highlight of inaccurate information listed on my credit report that I respectfully ask to be removed! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN ( Last 4 ) : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief