Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a formal complaint requesting the deletion of outdated and unverifiable personal information from my credit report, including former addresses, old phone numbers, previous employer entries, and the visibility of my full Social Security number and date of birth. This request was based on FCRA 1681 ( a ) ( 4 ), which outlines my right to privacy and demands accurate, complete, and verifiable information in credit reports. 

Experian failed to remove the disputed personal data and instead responded with a generic explanation stating that address and name data are reported by furnishers. They refused to provide the names of the furnishers or any investigation results. This violates my rights under FCRA 1681i ( a ), which

requires the credit reporting agency to investigate, verify, and remove any unverified or inaccurate information. Experian has not : - Verified the source of the disputed information - Provided proof of continuing accuracy or recency - Removed outdated, unverifiable personal data - Responded adequately to my privacy concerns about SSN/DOB visibility This response is a failure to conduct a reasonable reinvestigation and an improper refusal to delete information that is no longer verifiable or relevant.

I am requesting that the CFPB reopen this matter and compel Experian to : 1. Provide the name/contact information of any furnishers supplying
disputed personal data ; 2. Delete all outdated addresses, old phone numbers, and employers not verified with proper documentation ; 3. Suppress or truncate SSN and DOB visibility to third parties for privacy protection ; 4. Provide written proof of the reinvestigation results in compliance with FCRA 1681i.

Failure to comply will result in further complaints with the FTC, State Attorney General, and a formal privacy complaint regarding GLBA violations. 

CFPB original complaint number : XXXX COMPLAINT XX/XX/XXXX Dear Experian, TransUnion, Equifax According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand the deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX XX/XX/XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. Best Regards, XXXX XXXX Please reopen or escalate this matter. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief