Consumer complaint received 2026-01-14 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:
I am submitting this formal complaint regarding the inaccurate, unverified, and unauthorized personal information currently reported on my credit file, as reported by Equifax, Experian, and TransUnion. The reporting of incorrect and outdated personal information is causing significant harm to my credit score and creating potential risks of identity theft. The entries in question violate the Fair Credit Reporting Act ( FCRA ), and I seek immediate correction and removal of these inaccuracies.

Incorrect Name : The name reported as " XXXX XXXX '' is incorrect and must be removed. This name has caused confusion and potential identity misattribution. Given the Equifax data breach, there is a heightened responsibility for Equifax and other bureaus to ensure that only verified names are reported. FCRA 1681e ( b ) mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they report, and this inaccurate name reporting constitutes a violation of that requirement.

Incorrect Date of Birth : My date of birth is incorrectly listed as XX/XX/year>. Any error in core identifiers, such as a date of birth, poses significant risks, including the potential for file mixing. FCRA 605 ( h ) requires that credit reporting agencies notify consumers when significant discrepancies exist between the information on file and that provided by the consumer. This error should be corrected immediately to prevent further consumer harm.

Incorrect Address : The address listed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA '' does not belong to me. I have never lived at this address and did not authorize its reporting. Given the data breaches, it is essential that only verified addresses are reported. FCRA 604 requires that information reported to a CRA must be accurate, and continued reporting of unverified addresses constitutes noncompliance with the law.

Incorrect Employer : The employer names XXXX XXXX and XXXX are inaccurately reported on my credit file. I have never been employed by these companies, nor did I authorize their inclusion on my credit report. The Equifax data breach and potential file mixing make it critical that only verified and accurate employment data is included. This violates FCRA 1681s-2 ( a ) ( 1 ), which prohibits furnishers from reporting inaccurate information to CRAs.

Violation of FCRA Requirements : According to FCRA 1681e ( b ), CRAs must maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. By continuing to report inaccurate and unverified personal information, the CRAs have violated my rights under this provision.

Failure to Investigate Disputes Properly : I have previously disputed the inaccuracies on my credit report, but Equifax, Experian, and TransUnion have failed to perform a thorough reinvestigation as required by FCRA 1681i. The bureaus relied on automated matching and third-party data, which is insufficient given the nature of the data breaches that compromised sensitive consumer information. The failure to properly verify the information is a violation of my rights.

Identity Confusion and Risk of Fraud : The presence of inaccurate identifiers, such as my name, date of birth, address, and employment, increases the risk of identity theft and credit fraud. This issue is exacerbated by the Equifax data breach, which exposed my personal information. FCRA 605 ( h ) emphasizes the need for accuracy when reporting identifiers that could lead to identity confusion.

Impact on Creditworthiness : The inaccurate reporting of these identifiers is damaging my creditworthiness, which directly affects my ability to obtain credit, loans, and even employment. The continued presence of this information on my report under these circumstances is unfair and misleading.

Metro 2 Compliance : Metro 2 data field standards require that all information reported be accurate, verified, and compliant with established guidelines. The continued reporting of inaccurate personal information violates these standards, as well as the FCRA.

Immediate Removal Request : I am formally requesting the immediate deletion of all inaccurate, unverified, and unauthorized personal data from my credit report, including the incorrect name, date of birth, address, and employer listings. These inaccuracies must be removed to correct the record and prevent further harm to my credit profile.

Legal Responsibility of CRAs and Data Furnishers : FCRA 1681s-2 ( a ) ( 1 ) holds data furnishers accountable for reporting accurate information. Since these entries are inaccurate and unverifiable, both the CRAs and any data furnishers involved must take immediate action to correct the information.

Failure to Comply with Legal Obligations : Failure to remove inaccurate information after notice constitutes willful noncompliance under FCRA 616. I am requesting that you take action to correct this matter, or I will be forced to pursue legal action for damages as prescribed under the FCRA.

Request for Audit and Documentation : I request a full audit trail showing the source and verification process for each of the disputed items. This should include the name of each furnisher, the method used to verify the information, and the dates of each verification attempt.

Confirmation of Actions Taken : I request written confirmation from each of the credit bureaus and XXXX that these disputed items have been permanently deleted from my credit report. The confirmation should include a corrected copy of my credit report.

Deadline for Compliance : You have 15 calendar days from the receipt of this letter to resolve this issue. Should the dispute remain unresolved, I will escalate this issue with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to protect my rights.

Personal Data Protection : Given the data breaches that compromised my personal information, I trust you will take all necessary precautions to ensure that no further inaccurate or unverified information is reported on my file. FCRA 605 ( h ) mandates that any substantial discrepancies in identifiers be promptly corrected.

Legal Action : If these inaccuracies are not removed from my report within the designated timeframe, I will seek statutory damages and attorney 's fees as outlined in FCRA 1681n and pursue legal recourse to hold the responsible parties accountable. Notification of Breach : The Equifax and
National Public Data Breach that compromised my personal information heightens the need for immediate action to correct these inaccuracies. FCRA 605 ( h ) specifically calls for the removal of unverified identifiers when there is a breach.

Request for Updated Report : Once these corrections are made, I request an updated version of my credit report to ensure that no further discrepancies remain. This updated report should reflect only accurate and verified information.

Conclusion : I trust that you will treat this matter with the urgency it deserves. Failure to comply with FCRA provisions is unlawful, and I expect this issue to be rectified promptly.

Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation