Consumer complaint received 2025-11-26 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:
* * CFPB COMPLAINT IDENTITY FILE CORRECTION / UNMAILABLE ADDRESSES/ WRONG NAMES * * * * Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Type : * * Credit Reporting Incorrect personal information / inaccurate identifiers * * Against : * * * Experian * Equifax * TransUnion -- - # # * * 1. Summary of the Problem * * The credit bureaus are reporting * * false, unmailable, and fraudulent personal identifiers * *, including * * incorrect names * *, * * incorrect addresses * *, and * * employment information * * that does not belong to me. 

These errors violate : * * * FCRA 607 ( b ) * * ( reasonable procedures for accuracy ) * * * FCRA 609 ( a ) * * ( right to accurate file disclosures ) * * * FCRA 611 * * ( failure to reinvestigate and correct ) I already submitted a * * Notarized Affidavit of Identity * * confirming my correct legal identity and demanding removal of all inaccurate identifiers * * * *.

The bureaus have continued reporting false data, causing credit damage and misassociation with accounts that are * * NOT mine * *.

-- - # # * * 2. My Correct Identity ( as sworn under penalty of perjury ) * * My only correct legal identity is : * * * Full Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOB : XXXX XXXX XXXX XXXX XXXX XXXX  SSN ( last 4 ) : XXXX XXXX XXXXXXXX -- - # # * * 3. False / Fraudulent / Inaccurate Data the Bureaus Must Delete * * # # # * * A. Incorrect Names Being Reported * * The credit bureaus are reporting names that are * * not mine * * and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names are not associated with my lawful identity * * * *. 

# # # * * B. Incorrect / Unmailable Addresses * * The following addresses are inaccurate, unmailable, or never belonged to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other address not identical to my correct address above These appear due to file merging and violate Metro 2 Consumer Identifier Rules. 

# # # * * C. False Employment Information * * Any employer listed in my consumer file is * * inaccurate and fraudulent * * and must be deleted. 

-- - # # * * 4. Wrong Accounts Linked to Wrong Names/ Wrong Addresses * * Due to these false identifiers, the bureaus attached accounts and collections that * * do not belong to me * *, including but not limited to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) These accounts were matched using the * * incorrect names and incorrect addresses * *, not my true identity * * * *. 

This is a * * direct violation of Metro 2 Consumer Matching Logic * *, which requires one unique profile per consumer.

-- - # # * * 5. Violations Committed * * # # # * * FCRA 607 ( b ) * * The bureaus failed to use reasonable procedures to report * * accurate * * identifiers. 

# # # * * FCRA 611 * * The bureaus failed to correct inaccurate information after receiving a * * Notarized Affidavit * * and supporting evidence.

# # # * * FCRA 609 ( a ) * * My file disclosures were incomplete and contained fraudulent identifiers.

# # # * * FCRA 616 & 617 * * This is now * * willful noncompliance * * causing actual harm.

-- - # # * * 6. Harm Caused to Me * * * False identifiers caused wrongful account associations * Damage to credit score and creditworthiness * Emotional distress and reputational damage * Inability to obtain accurate reports for financial or
legal purposes * Time and cost spent correcting errors they created -- - # # * * 7. What I Am Demanding ( Full Resolution ) * * I request that the CFPB enforce the following actions : # # # * * A. Permanent deletion of all inaccurate personal information * * * Remove all incorrect names * Remove all incorrect or unmailable addresses * Remove all false employers # # # * * B. Delete all accounts tied to wrong identifiers * * Any account linked to the wrong names or addresses must be * * permanently deleted * *, not updated. 

# # # * * C. Correct and isolate my file * * Only the following must remain : * * * Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # * * D. Provide written confirmation from each bureau * * Each bureau must provide a corrected consumer file and written statement of compliance. 

# # # * * E. Assign recoveries to trust ( already declared in affidavit ) * * All rights and recoveries associated with these corrections have been assigned to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( EIN : XXXX ) * * as stated in the notarized affidavit * * * *. 

-- - # # * * 8. Evidence Attached * * * * * Affidavit of Identity ( Notarized ) * * confirming : * Correct name and address * Incorrect identifiers * Wrong accounts * Formal demand for correction * Trust assignment

Company response to consumer: Closed with explanation