Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
I am submitting this complaint due to multiple unresolved errors in my credit report obtained from AnnualCreditReport.com. Despite my formal disputes and provision of supporting documentation, the credit reporting agency has failed to correct inaccurate and unverifiable information. This includes incorrect personal information, unauthorized inquiries, charge-offs, and late payments. 

This is a formal complaint against the credit reporting agencys failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

Details of Disputed and Inaccurate Items 1. Incorrect Personal Information Previous Addresses ( should be deleted ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Incorrect Employers ( should be deleted ) : XXXX XXXX XXXX XXXX. Unauthorized Inquiry XXXX XXXX  Date of Inquiry : XX/XX/XXXX I did not authorize this inquiry and request its removal. 

XXXX. Charge-Off Accounts ( Potentially Unverifiable ) XXXX & XXXX XXXX Account XXXX : XXXX3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Dept . of EdXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX times, appearing as duplicate entries ) XXXX. Late Payments ( Paid/Closed Accounts ) XXXX XXXXl XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX entries ) XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WebBank/Fingerhut Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX entries ) These accounts either report inaccurate information, can not be verified, or have duplicative/triplicate reporting, which misrepresents my creditworthiness. 

Legal Violations These failures constitute violations of the following FCRA provisions : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a good-faith reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the required method of verification.

15 U.S.C. 1681g : Failure to provide a full file disclosure upon request. 

Requested Relief I am requesting that the Consumer Financial Protection Bureau enforce my rights and compel the credit reporting agency to : Reinvestigate each disputed account and personal item in full compliance with FCRA. 

Remove or correct any inaccurate, unverifiable, or duplicative entries. 

Provide the full method of verification for all verified accounts, including : Description of verification procedures ; Names and contact details of all data furnishers ; Any documents relied upon during the investigation. 

Provide a full consumer file disclosure, including : All data in my file ; Full inquiry history ( soft and hard pulls ) ; Third-party access certifications. 

Update my personal identifying information to reflect only : Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, MI XXXX Response Deadline A response to this dispute must be provided within 30 days under 15 U.S.C. 1681i ( a ).

Method of verification details must be provided within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ).

I request that all responses be sent via U.S. mail only, as I do not authorize electronic communications.

Failure to comply may result in additional formal complaints filed with the Federal Trade Commission, the Michigan Attorney General, and possible civil action to recover damages for noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief