Consumer complaint received 2025-09-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC, P.O. XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal FCRA Dispute Request to Correct and Remove Inaccurate Personal Information Dear TransUnion, Experian, and Equifax, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and inconsistent personal identifying information currently being reported in my consumer credit file. 

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning consumers. Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], you are required to conduct a reasonable reinvestigation of disputed information within 30 days.

Please update my credit file to reflect * * only * * the accurate personal information listed below and * * delete all other variations, misspellings, former data, or a.k.a. entries * * that differ from this information : * * Correct Information to Remain : * * - * * Full Legal Name : * * XXXX XXXX XXXX Remove any and all other names, name variations, nicknames, misspellings, or a.k.a.s currently listed. 

- * * Current Address : * * XXXX XXXX XXXX Apt XXXX XXXX XXXX, Ny XXXX Remove all previous, outdated, or incorrect addresses currently listed. 

- * * Date of Birth : * * XX/XX/XXXX Remove any other birth dates, incorrect years, or partial/erroneous DOB entries. 

- * * Social Security Number ( Last 4 ) : * * XXXX Remove any and all other SSN variations or mismatched numbers. 

- * * Email : * * XXXX Remove all other email addresses or outdated emails. 

- * * Phone Number : * * ( XXXX ) XXXX Remove any other phone numbers or outdated contact numbers. 

This is a direct dispute of personal identifying information. If you verify any of the disputed inaccurate information as accurate, I invoke my right under FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ] to receive within 15 days of such verification : The name, address, and contact information of the furnisher who verified it A description of the method used to verify it A copy of any documentation relied upon in that verification Required action : Complete reinvestigation and remove all inaccurate personal information within 30 days as required by 1681i ( a ) ( 1 ) ( A ) Ensure only the correct information listed above remains in my credit file Provide written confirmation of these corrections Failure to comply will result in complaints to the CFPB, FTC, and New York Attorney General, as well as legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance, including statutory damages, actual damages, attorneys fees, and injunctive relief. This letter serves as notice of preservation of all legal rights and remedies. No waivers are intended or implied.

I expect full compliance within the timeframes provided by federal law.

Enclosed : Passport For Confirmation Of Name, Date Of Birth & Photo Utility Bill With New Address For Confirmation Of Current & Only Address w2 with old address for confirmation as additional ID Support and SSN Verification Highlights Of Incorrect Personal Information Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief