Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, and I am submitting this formal complaint regarding multiple inaccurate and unauthorized entries on my credit report, which I obtained from XXXX. Despite providing detailed dispute documentation and identification, these errors have not been corrected. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate the credit reporting agencys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically its duties under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

This includes the failure to : Correct clearly inaccurate personal identifying information Remove multiple unauthorized credit inquiries Provide a proper and timely reinvestigation Respond with a method of verification within the statutory 15-day timeframe Disputed Items Inaccurate Personal Information Also Known As : XXXX XXXX XXXX XXXX As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX XXXX XXXX Duplicate name errors ( listed above ) Previous Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, MD XXXX Unauthorized Credit Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Violations Cited 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or correct inaccurate/unverifiable information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a proper method of verification upon request 15 U.S.C. 1681g Failure to disclose complete consumer file information What I Am Requesting I respectfully request the following corrective actions be taken immediately : A complete reinvestigation of each disputed item Deletion or correction of inaccurate or unverifiable personal data Removal of all unauthorized inquiries A method of verification including : A detailed explanation of the reinvestigation process Names, addresses, and phone numbers of all parties contacted Documents or data used to verify the disputed items Full consumer file disclosure as required by 1681g, including : All information in my credit file A list of all soft and hard inquiries with dates and purpose Certifications from any third parties who accessed my file Correct Personal Information to Be Retained Full Name : XXXX XXXX XXXX XXXX XXXX. 

Date of Birth : XX/XX/XXXX SSN ( LasXXXX XXXX  ) : XXXX Current Address : XXXX XXXX XXXX  XXXX, XXXX, Florida XXXX Important Deadlines You must respond to the dispute within 30 days as per 1681i ( a ).

You must respond to the method of verification request within 15 days as per 1681i ( a ) ( 7 ). 

I have requested that all communication be conducted via mail only. I do not consent to phone or email communications. 

Conclusion These inaccuracies and failures to comply with federal law have caused significant harm. If not promptly and fully resolved, I intend to file complaints with the FTC, State Attorney General, and will consider legal action under 1681n and 1681o for willful and negligent noncompliance. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief