Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I recently reviewed my Equifax credit report and discovered that it contains inaccurate and outdated personal information that I never authorized or verified. This information is directly impacting my creditworthiness, my ability to pass identity verification checks, and my eligibility for credit and housing. 

Specifically, the following discrepancies were found : Incorrect Name Variation Currently Listed : XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX Consumer Note : This variation has never been associated with my identity. It poses a risk of misidentification. My government-issued ID is enclosed to verify my legal name. 

Outdated Address Information Currently Listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Consumer Note : I have enclosed a utility bill and bank statement confirming my current address. The outdated Texas addresses must be removed to avoid identity confusion and misreporting. 

Obsolete Employment Information Currently Listed : XXXX XXXX ( Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Updated : XX/XX/2024 ) Correct Status : No longer employed at these entities Consumer Note : This information is no longer valid and violates the FCRAs maximum possible accuracy standard if retained. 

LEGAL VIOLATIONS : FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ) Reinvestigation of Disputed Information Under this section, a consumer has the right to dispute inaccurate or incomplete personal information, and the credit reporting agency must conduct a reinvestigation within 30 calendar days. Equifax is required to delete or correct any information that can not be verified. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Equifax must maintain procedures to ensure that consumer reports are accurate, complete, and current. The inclusion of outdated or incorrect name, address, and employment data violates this statutory requirement.

FCRA Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) Disclosure of Accurate File Information Consumers have a right to receive and review only accurate personal identifiers in their credit file. Retaining obsolete personal data undermines identity verification and compliance.

Failure to Maintain Accurate Records ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If Equifax can not independently verify the disputed personal information, it must be deleted in its entirety. Continued reporting of unverifiable or outdated personal data constitutes noncompliance with federal law. 

PERSONAL IMPACT : The presence of this inaccurate personal information has caused : Denials and delays in legitimate credit applications. 

Failed or flagged identity verification during financial and rental processes. 

Increased scrutiny and risk during employment background checks. 

Emotional distress and reputational damage from repeated misidentification. 

This situation directly undermines my ability to maintain a clean and accurate credit profile and to verify my identity efficiently.

Company response to consumer: Closed with non-monetary relief