Consumer complaint received 2025-09-03 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CT XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate and Incomplete Personal Information Dear Credit Bureau Representative, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate and incomplete personal information being reported in my credit file.

Your records must reflect only accurate, verifiable, and complete identifying information. Currently, my file contains incorrect addresses, phone numbers, emails, and employment history that do not belong to me and must be deleted immediately. 

Requested Corrections Employment Keep : XXXX XXXX XXXX XXXX Remove : Any and all other employers Address Keep : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CT XXXX Remove : All other addresses Email Keep : XXXX Remove : All other email addresses Phone Number Keep : XXXX Remove : All other phone numbers XXXX Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the Consumer Financial Protection Bureau ( CFPB.gov ) complaint portal must be treated with the same legal effect and obligations as disputes submitted directly to a consumer reporting agency or furnisher.

This means the credit bureaus can not lawfully downgrade, delay, or treat CFPB.gov disputes differently than direct disputes. All statutory duties under FCRA 607 ( b ), 611, and 623 apply equally, including the 30-day reinvestigation requirement and the duty to delete unverifiable or inconsistent information.

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : CRAs must maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires completion of reinvestigation within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable or inaccurate information.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, CRAs must provide the Method of Verification ( M.O.V. ), including the furnishers name, address, phone number, and records relied upon.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not provide information they know or should know is inaccurate.

CFPB Bulletin 2013-09 : CRAs must ensure reasonable investigations and not rely solely on furnishers.

FTC Staff Opinion Letter ( Cass, 1999 ) : Inaccurate personal identifiers must be deleted.

Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) : Bureaus must conduct independent investigations.

Richardson v. Equifax, 2004 WL 862200 : Information must be deleted when statutory timelines are not met.

Demand for Action Immediate removal of all inaccurate personal information listed above.

Retention of only accurate and verifiable information as provided in this letter.

If Experian, TransUnion, or Equifax verifies any of the disputed items, provide the Method of Verification ( M.O.V. ) within 15 days, including : Furnishers name Furnishers address Furnishers telephone number Records relied upon in verification Deadlines 30 days : Reinvestigation must be completed with written results.

15 days : M.O.V. must be provided if verified.

Preservation of Rights If these violations continue, I will escalate through the CFPB, FTC, and private legal action for statutory damages under FCRA 616617. This letter serves as notice of my preservation of rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief