Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint due to Equifaxs failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, in response to a formal legal dispute and personal information correction request I sent via certified mail, which was received by Equifax on XX/XX/year>. 

1. Dispute of Late Payments Legal Verification Requested My original letter dated XX/XX/year>, formally disputed late payment notations across multiple accounts, including but not limited to : XXXX XXXX, XXXX Bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Bank, etc. 
The dispute explicitly demanded manual reinvestigation and legal verification that : Billing statements were provided at least 21 days prior to the due date, per 15 U.S.C. 1666b Each creditor complied with 15 U.S.C. 1637 ( b ) by issuing complete and accurate billing statements with proper disclosures The furnishers were authorized to report, and that all data is accurate, complete, verifiable, and lawfully reportable Instead of honoring their legal obligation to investigate, Equifax responded with a stall letter on XX/XX/year>, falsely claiming that the ID I submitted could not be verified. However, my dispute included : A valid Social Security Card ( identity proof ) A bank statement with my name and current address ( address verification ) These documents fully satisfy Equifaxs own published requirements and constitute sufficient identification under the FCRA.

2. Request to Update Personal Information Ignored In the same certified dispute, I also submitted a formal request to update my personal address on file. I requested : Updating my address to : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Removal of all outdated and inaccurate addresses, which are no longer valid or deliverable by the U.S. Postal Service This request was made under FCRA 1681i ( a ) ( 1 ) ( A ), and I enclosed : A government-issued ID A bank statement showing my current address Equifaxs response made no acknowledgment whatsoever of this request, and my credit file still reflects inaccurate and obsolete addresses. This is a violation of their duty to investigate and update incomplete or inaccurate personal information under federal law. 
Requested Resolution : That Equifax immediately conduct a full manual reinvestigation of the disputed late payments, not via e-OSCAR, but under legal review in compliance with 15 U.S.C. 1681i That Equifax provide written verification that each furnisher complied with 1666b and 1637 ( b ) for the reported late payments That all accounts not verified with documentary evidence be permanently deleted That Equifax immediately update my address to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, and remove all inaccurate prior addresses from my credit file That Equifax cease the use of false stall tactics and fulfill its legal obligations under FCRA Legal Deadline Reminder : Equifax received my dispute on XX/XX/year>, via certified mail. Therefore, under 15 U.S.C. 1681i ( a ) ( 1 ), they are required to complete the reinvestigation and update by XX/XX/year>. 
If Equifax fails to verify the disputed items and address change with proper documentation by that date, they are obligated to delete all unverifiable or uncorrected information.

Company response to consumer: Closed with explanation