Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes.

CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : ITEMS REQUIRING CORRECTION 1. Incorrect Name Variation Currently Listed : XXXX XXXX, XXXX XXXX Correct Legal Name : XXXX XXXX XXXX XXXX Consumer Note : This variation has never been associated with my identity and is creating unnecessary risk of misidentification. I have enclosed a copy of my government-issued ID to verify my correct legal name.

FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that Equifax : Conduct a reinvestigation of these disputed items within 30 calendar days, as mandated by federal law.

Correct and update my personal information to reflect accurate, verifiable, and current data.

Permanently delete any and all incorrect name variations from every file associated with my credit report. 

Provide me with written confirmation of all corrections, deletions, and updates made. 
Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved. 

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone number Recent phone bill verifying my current contact number CONSUMER REQUEST FOR RESOLUTION I understand that maintaining accurate consumer files is a legal obligation for Equifax under the Fair Credit Reporting Act ( FCRA ). The enclosed documentation clearly establishes my correct personal information and should facilitate a prompt resolution of these discrepancies.

If any of the disputed information can not be independently verified through your investigation, I demand that it be deleted entirely from my credit file, as required by federal law under 15 U.S.C.

1681i.

EXPECTED TIMELINE I expect full resolution within the 30-day timeframe mandated by federal law. Upon completion of your reinvestigation, please provide me with : Written results of your investigation An updated copy of my corrected credit report at no charge Written confirmation that all corrected information has been communicated to the appropriate data furnishers Failure to comply will constitute a direct violation of the FCRA, leaving me with no alternative but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies available.

Company response to consumer: Closed with non-monetary relief