Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Addresses on Credit Report Request for Permanent Deletion Dear Sir or Madam, I am writing to formally dispute inaccurate address information listed on my credit reports with TransUnion, Experian, and Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate and correct or delete inaccurate or unverifiable information. Additionally, I invoke protections under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, to ensure that any unauthorized use of my personal information is addressed. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Upon reviewing my credit reports dated XX/XX/XXXX, I identified the following addresses that are inaccurate, not affiliated with me, and were used without my knowledge or consent : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at, been associated with, or authorized the use of these addresses. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. The inclusion of these addresses on my credit reports is erroneous and may indicate potential unauthorized activity or identity theft. 

Under FCRA 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information. If the information can not be verified, it must be permanently deleted from my credit file per FCRA 1681i ( a ) ( 5 ). Additionally, under FCRA 1681c-2, if these addresses are linked to fraudulent activity, you must block such information from being reported. The FDCPA 1692e prohibits the use of false or misleading representations, including inaccurate personal information, in connection with debt collection activities.

I request the following actions : 1. Immediate Investigation : Conduct a thorough investigation into the listed addresses. 

XXXX. Permanent Deletion : Remove the inaccurate addresses from my credit file. 

XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting the corrections. 

XXXX. Notification to Furnishers : Notify any furnishers of this information, as required by FCRA 1681i ( a ) ( 5 ) ( B ), to ensure these addresses are not re-reported.

Please include a detailed description of the investigation results, as mandated by FCRA 1681i ( a ) ( 6 ). If you determine that any of these addresses are linked to fraudulent activity, please provide information on your identity theft procedures under FCRA 1681c-2. 

Enclosed, please find a copy of my identification ( e.g., drivers license ) and proof of my current address ( e.g., utility bill or lease agreement ) to verify my identity and address. 

I expect a response within the XXXX-day period required by FCRA 1681i ( a ) ( XXXX ). Please send all correspondence to my current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Thank you for your prompt attention to this matter. Failure to comply with FCRA and FDCPA requirements may result in further action to protect my rights. 

Sincerely,

Company response to consumer: Closed with non-monetary relief