Consumer complaint received 2025-05-28 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 due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by a consumer reporting agency that has failed to properly investigate and correct inaccurate information on my credit report. 

After reviewing my credit report through XXXX, I identified several errors, including inaccurate personal information, unauthorized inquiries, and inaccurate or unverifiable derogatory accounts. In accordance with 15 U.S.C. 1681i ( a ), I submitted a formal dispute requesting the following : A complete and reasonable reinvestigation ; The method of verification used to validate each disputed item ( 15 U.S.C. 1681i ( a ) ( 7 ) ) ; and A full consumer file disclosure under 15 U.S.C. 1681g and 1681e ( b ). 

This is a valid and specific disputenot a frivolous or vague claim. I personally prepared this dispute and included all required identification and documentation. The FCRA mandates a good-faith, thorough reinvestigation of every disputed item and its associated datanot just the tradeline. 

Disputed Items : Incorrect Personal Information : Previous 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  These items are reporting inaccurately or are unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), if any part of a tradelinesuch as balance, account status, payment history, remarks, or open dateis inaccurate or can not be verified, it must be deleted entirely.

Legal Requirements Under the FCRA : 15 U.S.C. 1681e ( b ) : You must use reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : A complete, good-faith reinvestigation is required.

15 U.S.C. 1681i ( a ) ( 7 ) : You must provide a description of the method of verification upon request. 

Requested Actions : Reinvestigate each of the disputed items listed above. 

Remove or correct any inaccurate or unverifiable information. 

Provide a complete method of verification, including : The process and procedures used ; Names and contact information of the sources used ; All documentation relied upon in verifying the data. 

Provide my full consumer file disclosure under 15 U.S.C. 1681g, including : All data in my credit file ; A list of all soft and hard inquiries, including dates and reasons ; Copies of all certifications submitted by third parties who accessed my report. 

Personal Information Correction Request : You are also obligated to maintain accurate identifying information. I request the immediate removal of any outdated, unverifiable, or incorrect personal data, including : Name variations ; Incorrect SSN digits ; Past addresses, phone numbers, and employers. 

Only retain the following accurate data : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last Four of SSN : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Response Timeframe Requirements : A response to this dispute is required within 30 days under 15 U.S.C. 1681i ( a ).

A full response to my method of verification request is required within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ).

All communication must be via U.S. mail only. I do not authorize communication by phone, email, or other electronic means. 

Failure to comply may result in further regulatory complaints to the CFPB, FTC, and State Attorney General, and may subject the credit bureau to legal action for violations of the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief