Consumer complaint received 2025-06-04 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: ND

Complaint narrative:
I, XXXX XXXX, am submitting this complaint because the credit reporting agency has failed to provide the required method of verification and other documentation supporting the accuracy of disputed items on my credit report. 

I am acting on my own behalf as a natural person, and I have made multiple good-faith attempts to obtain verification and supporting information, as required under the Fair Credit Reporting Act ( FCRA ). To date, I have not received an adequate response in compliance with 15 U.S.C. 1681i ( 7 ) and 15 U.S.C. 1681e ( b ). 

Disputed Accounts XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( duplicate ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Disputed Inquiries XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX and XX/XX/XXXX FCRA Violations and Documentation Requested Under 15 U.S.C. 1681i ( 7 ), I have the right to receive a description of the reinvestigation procedure used to verify any disputed information. This includes : The name of the original creditor ; The creditors full address and phone number ; The name of the individual or representative who verified the dispute ; The valid documentation used to verify the accuracy of the account ; An explanation of the compliance procedures your company follows to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

To date, none of this required information has been provided. 

Requested Action If you can not provide the above documentation and verification evidence, I am formally requesting that all inaccurate or unverifiable information be immediately deleted from my credit report. Alternatively, you may reopen the disputes and conduct a full and proper reinvestigation in accordance with the law.

Legal Notice and Civil Liability Be advised that continued failure to comply with these federal requirements may result in civil liability under : 15 U.S.C. 1681n Willful noncompliance ; 15 U.S.C. 1681o Negligent noncompliance.

I am prepared to pursue legal action if this matter is not resolved promptly and lawfully. 

Conclusion This complaint is submitted to request CFPBs assistance in holding the credit reporting agency accountable for : Failing to provide required method of verification information ; Reporting potentially inaccurate or unverified accounts and inquiries ; Failing to meet their obligations under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief