Consumer complaint received 2025-05-29 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:
I am filing this complaint due to multiple unresolved inaccuracies on my credit report obtained from XXXX. Despite formally disputing these items and supplying proper identification and documentation, the credit reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), 1681g, and 1681i ( a ).

Summary of Dispute This is a specific and valid dispute, not a vague or frivolous claim. I am requesting the following : A full and reasonable reinvestigation of the items listed Complete method of verification for all disputed entries A full disclosure of my consumer file Disputed Items Unauthorized Inquiries These were not authorized by me and must be removed : 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 XXXXXX/XX/XXXX Charge-Off Accounts ( Potentially Inaccurate or Unverifiable ) XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXXXXXX XXXX XXXX These entries are either inaccurate, outdated, or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), such entries must be corrected or deleted entirely.

Violations of the Fair Credit Reporting Act 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable, good-faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a detailed method of verification upon request What I Am Requesting A complete reinvestigation of each item Removal or correction of any unverifiable or inaccurate data The method of verification, including : Description of the investigation process Names and contact details of data furnishers Documents or records used in the verification A complete consumer file disclosure under 15 U.S.C. 1681g, including : All information in my file All soft and hard inquiries with dates and reasons Copies of any third-party certifications for file access Personal Information Update Request Please delete the following outdated or unverifiable information : Name variations Incorrect digits of my Social Security number Previous addresses, phone numbers, or employers Only the following personal information should remain : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX Response Timeframes Response to the dispute is required within 30 days per 15 U.S.C. 1681i ( a ) Response to the method of verification request is required within 15 days per 15 U.S.C. 1681i ( a ) ( 7 ) All responses must be sent by mail only ; I do not authorize electronic communications Next Steps if Not Resolved If the agency fails to comply, I will file additional complaints with the Federal Trade Commission ( FTC ) and Florida Attorney Generals Office, and I will consider legal action for statutory damages under the FCRA.

Thank you for your attention to this matter. I expect full legal compliance.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief