Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NEW YORK, NJ XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Notice of Dispute and Demand for Immediate Deletion of Erroneous Name Variations, Outdated/Undeliverable Addresses, and Phone Numbers ( Report Number : XXXX ) To Whom It XXXX Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am formally disputing the accuracy and relevance of personal demographic information listed in my EQUIFAX credit report ( Report # : XXXX, issued XX/XX/year> ). I DEMAND the IMMEDIATE INVESTIGATION AND DELETION of all erroneous name variations, outdated or undeliverable addresses, and inaccurate phone numbers. Your failure to comply within the XXXX statutory timeframe constitutes willful noncompliance, and I will pursue all legal remedies, including complaints to the Consumer Financial Protection Bureau XXXX CFPB ) and damages for violations of the FCRA. 

The following items in my credit report are disputed and must be DELETED IMMEDIATELY : Erroneous Name Variations and/or Former Names : The report lists " XXXX XXXX XXXX XXXX a variation of my name. My sole legal name is XXXX XXXX. Any other name variations or former names are inaccurate, unauthorized, and irrelevant to my credit profile and must be DELETED. 

Outdated/Undeliverable Addresses : The report references an address at " XXXX XXXX XXXX XXXX, XXXX, GA XXXX '' and XXXX XXXX XXXX, XXXX XXXX, XXXX NEW YORK XXXX NJ XXXX ( as noted in your correspondence dated XX/XX/year> ). This address is incorrect and undeliverable. My sole valid address is XXXX XXXX, XXXX NEW YORK, NJ XXXX. All other addresses, including any former or erroneous addresses, must be DELETED. 

EQUIFAX is obligated under the FCRA to conduct a reasonable investigation and delete any information that can not be verified as accurate, complete, and relevant within 30 days of receiving this dispute. I have provided sufficient documentation, including my drivers license and Social Security Number ( XXXX ), to verify my identity and legal demographics. Your continued reporting of these inaccuracies is unacceptable and harmful to my creditworthiness. 

I DEMAND : 1. Immediate deletion of all erroneous name variations, outdated/undeliverable addresses, and inaccurate phone numbers listed above.

2. Written confirmation of all corrections, including an updated credit report reflecting these deletions, sent to my address : XXXX XXXX, XXXX NEW YORK, NJ XXXX. 

3. Compliance within XXXX XXXX from receipt of this notice, as mandated by the FCRA. 

Be warned : EQUIFAXs failure to correct these errors will be considered willful noncompliance, subjecting your organization to legal action, including but not limited to compensatory and punitive damages. I will not hesitate to escalate this matter to the CFPB and pursue all available remedies if necessary. Enclosed are copies of my drivers license and Social Security XXXX documentation to confirm my identity and legal demographics. 

Govern yourself accordingly. 

Sincerely, BY : XXXX, XXXX FOR : XXXX XXXX XXXX XXXX Enclosures : Drivers License, XXXX, and XXXX & XXXX XXXX XXXX : CFPB

Company response to consumer: Closed with non-monetary relief