Consumer complaint received 2025-06-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : CFPB Dispute Portal ( for Equifax, Experian & TransUnion ) Re : Formal FCRA Dispute Correction of Personal Identifying Information Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I hereby dispute and request deletion or correction of the following inaccurate personal information on my three-bureau credit files. Please reinvestigate under 611 and delete any data you can not verify as accurate.

1. TransUnion Incorrect Entries to Remove : Name variants : XXXX XXXX XXXX XXXX Any other form in the Name or Also Known As fields Also Known As section ( should be blank ) Addresses : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Emails : Any address other than XXXX Phone numbers : Any number other than ( XXXX ) XXXX Correct Entries to Retain : Name : XXXX XXXX XXXX Also Known As : ( blank ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Employer : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX. Experian Incorrect Entries to Remove : Name : XXXX XXXX ( without XXXX ) Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Entries to Retain : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX 3. Equifax Incorrect Entries to Remove : Name : XXXX XXXX ( without XXXX ) Addresses : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employers : XXXX XXXX XXXX Emails : Any address other than XXXX Phone numbers : Any number other than ( XXXX ) XXXX Correct Entries to Retain : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX FCRA 611 ( a ) ( 1 ) : If the completeness or accuracy of any item of information is disputed by the consumer the [ CRA ] shall reinvestigate and record the current status.

FCRA 1681e ( b ) : Consumer reports must be fair and accurate.

Guimond v. TransUnion Credit Info. Co., 45 F.3d 1329 ( 7th Cir. 1995 ) : [ A ] credit reporting agency violates 1681e ( b ) when it creates or perpetuates a falsehood in a consumers file.

Carvalho v. Equifax Info. Servs., 629 F.3d 876 ( 9th Cir. 2010 ) : Upholds the requirement that CRAs conduct a meaningful reinvestigation when accuracy is challenged.

Requested Actions Reinvestigate all disputed personal data under FCRA 611.

Delete or correct every item I have flagged that can not be verified as accurate.

Provide written confirmation of each change.

Supply a free, updated copy of my credit report reflecting these corrections within 30 days.

Failure to comply constitutes a willful violation of the FCRA. I look forward to your prompt response confirming completion of your reinvestigation and outcome. 

Attached is a copy of my state identification for identification verification, social security for proof identification for verification, bank statement for proof of address and highlights bearing the incorrect information listed on my consumer report Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief