Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TO : Equifax / Experian / TransUnion RE : FORMAL DISPUTE DEMAND FOR IMMEDIATE DELETION OF OUTDATED, UNVERIFIABLE, AND INACCURATE PERSONAL INFORMATION PURSUANT TO THE FAIR CREDIT REPORTING ACT To Whom It May Concern : This letter serves as a formal dispute and demand for permanent deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Your records contain multiple items of outdated, unverifiable, inaccurate, incomplete, and irrelevant personal identifying information that must be removed immediately. 

XXXX. Names My correct legal name is : XXXX XXXX XXXX All other variationsincluding but not limited to XXXX XXXX, XXXX XXXX, and XXXX, XXXX inaccurate and misleading. 

Violation : 15 U.S.C. 1681e ( b ) requires CRAs to ensure maximum possible accuracy. Maintaining incorrect names violates this duty. 

XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs are liable for inaccurate identifiers. 

XXXX. Addresses My only correct address is : XXXX XXXX XXXX, XXXX, TX XXXX All other addressesincluding XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, and incorrect/duplicate zip variationsare obsolete and irrelevant. 

Violation : Reporting outdated addresses violates 1681e ( b ) and 1681i ( a ). 

3. Employers No employer information is authorized to appear in my credit file. This includes but is not limited to : Memorial XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( misspelled ) Employer reporting is irrelevant to creditworthiness and is often unverifiable. 

Violation : Reporting unverifiable employment violates XXXX ( b ). 

XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inaccurate personal data supports liability. 

XXXX. Phone Numbers No phone numbers are authorized to be reported. Any and all numbers listed must be permanently deleted. 

Violation : Phone numbers are not credit-related data and their reporting violates 1681e ( b ).

5. Legal Authority & Case Law Your obligations are clear under the FCRA : 1681e ( b ) : Duty to assure maximum possible accuracy.

1681i ( a ) : Duty to reinvestigate disputed information and delete unverifiable data within 30 days.

1681s-2 ( b ) : Furnishers duty to investigate upon notice of dispute.

1681n & 1681o : Civil liability for willful and negligent noncompliance. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must reinvestigate disputed data. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs liable for inaccurate reporting causing consumer harm. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Even negligent inaccuracies violate 1681e ( b ). 

XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Misleading reporting of charge-offs violates the FCRA. 

XXXX. DEMAND AND DEADLINE You are hereby formally demanded to : Permanently delete all name variations other than XXXX XXXX XXXX. 

Permanently delete all addresses other than XXXX XXXX XXXX, XXXX, TX XXXX. 

Permanently delete all employer information, including XXXX XXXX XXXX XXXX. 

Permanently delete all phone numbers. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must complete your reinvestigation and confirm deletions within 15 days.

7. NOTICE OF ESCALATION Failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Civil litigation under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) seeking : Actual damages Statutory damages Punitive damages Attorneys fees and costs This letter places you on notice of these violations. Failure to act will be treated as willful noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief