Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
My personal information is wrong and I have sent several request to have this information removed. 
This letter serves as a formal dispute and demand for immediate correction of multiple erroneous and unverifiable entries on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are legally required to maintain only accurate, complete, and verifiable information. Any failure to comply with these statutory obligations constitutes a willful violation of federal law and subjects you to legal liability.

Upon reviewing my credit report, I have identified multiple inaccuracies that must be removed immediately unless you can provide documented, verifiable proof of their legitimacy. The erroneous information includes, but is not limited to : Incorrect Name Variations : My legal name is XXXX XXXX, and I do not consent to the reporting of any misleading, misspelled, or unauthorized name variations. Any unverified name discrepancies must be removed. 
Inaccurate Address Listings : The only accurate and verifiable address I have resided at is XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX. Any additional or outdated addresses appearing on my report must be deleted immediately, as they are irrelevant to my credit profile and pose a risk of misattribution. 
Social Security XXXX XXXX : My Social Security Number ( SSN ) must not be retained or sold to third parties. Unlawful dissemination of my SSN without my express consent constitutes a violation of my privacy rights under federal law. 
Incorrect Date of Birth : My date of birth is XXXX. Any deviations from this must be corrected without delay, or I will assume your agency is negligently maintaining false information. 
Unauthorized Employment Data : I have never authorized the reporting of any employment history on my credit file. If any employment records exist, they must be immediately purged unless you can provide written proof of my consent. 
Unauthorized Co-Applicant or Co-Borrower Records : I have never applied for or shared credit obligations with any other individual. If any co-applicant or co-borrower information exists on my report, you are legally required to provide proof of its accuracy or remove it immediately.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a thorough reinvestigation within 30 days of receiving this dispute. If the disputed information can not be verified with original source documentation, it must be permanently deleted from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Should you fail to comply with these demands, I will have no choice but to escalate this matter by : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for FCRA violations.

2. Pursuing legal action against your agency for willful noncompliance, which may result in statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n ( a ), in addition to punitive damages and attorneys fees. 
XXXX. Reporting your agency to state and federal regulatory bodies for improper credit reporting practices. 
I have attached legally sufficient documentation verifying my identity, including ( drivers license, utility bill, Social Security card, etc. ). You are required to provide a written confirmation of the deletions or corrections within 30 days of receipt of this letter, as mandated by federal law. 
Failure to respond in good faith will be taken as a deliberate act of noncompliance, and I will exercise my full rights under the law to hold your agency accountable. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief