Consumer complaint received 2025-05-31 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 formal complaint to dispute multiple inaccurate and unverifiable entries on my credit report, which I obtained through AnnualCreditReport.com. This complaint is filed under the protections of the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

Despite my submission of legitimate disputes and supporting documentation, the credit reporting agency has failed to conduct a proper reinvestigation or provide required documentation regarding the errors listed below. 

Disputed Items Inaccurate Personal Information Incorrect Current Address : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations and Compliance Requirements 15 U.S.C. 1681e ( b ) : The credit bureau must follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S.C. 1681i ( a ) ( 1 ) : A full, reasonable, and good-faith reinvestigation must be conducted once a dispute is received.

15 U.S.C. 1681i ( a ) ( 5 ) : If information is found to be inaccurate or unverifiable, it must be corrected or removed.

15 U.S.C. 1681i ( a ) ( 7 ) : The consumer has the right to a detailed method of verification.

Requested Relief I am requesting the following corrective actions : Full reinvestigation of each disputed account and personal information item.

Deletion or correction of any inaccurate or unverifiable data.

A detailed method of verification, including : Description of procedures used Names and contact details of the individuals or entities contacted Copies of all documentation used for verification A full consumer file disclosure under 15 U.S.C. 1681g, including : All information currently held in my file List of all soft and hard inquiries with dates and reasons Copies of certifications from any third parties that accessed my credit report Correction of Personal Information All outdated or incorrect personal identifiers must be deleted immediately. The following personal details should be retained as accurate : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX, Michigan XXXX Response and Deadlines The agency must respond to this dispute within 30 days under 15 U.S.C. 1681i ( a ) A full method of verification must be provided within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ) All communications must be sent by mail. I do not consent to email or electronic correspondence.

Further Action Failure to comply may result in complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Michigan State Attorney General I also reserve the right to seek legal action for actual and statutory damages as allowed under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief