Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint due to several inaccuracies found on my credit report, which I obtained through XXXX. The errors include both tradelines and personal information that are either inaccurate, outdated, or unverifiable. I have made a formal request for reinvestigation as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

This complaint also includes a request for : Full reinvestigation of the disputed information Disclosure of the method of verification used Complete consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i This is not a vague or frivolous dispute. I personally prepared and submitted each dispute with supporting identification and documentation. The Fair Credit Reporting Act requires the credit bureau to thoroughly investigate each item in disputenot just the tradeline, but all related codes, data, and metadata. 

Disputed Accounts Collection XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reporting inaccurately and/or remain unverified. If any part of the tradelineincluding balance, payment history, date opened, remarks, or statusis incorrect or can not be verified, the FCRA mandates their removal under 15 U.S.C. 1681i ( a ) ( 5 ).

Legal Obligations Under the FCRA 15 U.S.C. 1681e ( b ) : You must use reasonable procedures to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( a ) ( 1 ) : You must conduct a good-faith and complete reinvestigation of disputed items.

15 U.S.C. 1681i ( a ) ( 7 ) : You are required to provide a clear and detailed method of verification.

Requests and Consumer Rights I am formally requesting : A reinvestigation of each item listed above.

Correction or deletion of any data that is inaccurate or unverifiable.

The method of verification, including : A description of reinvestigation procedures used Names and contact details of individuals or entities consulted Documentation relied upon for verification A full consumer file disclosure, including : All data currently in my file A list of all soft and hard inquiries with dates and reasons Copies of certifications from third parties who accessed my file Personal Information Accuracy I also request immediate deletion of any outdated or unverifiable personal identifiers, including : Name variations Incorrect digits of my Social Security number Former addresses, phone numbers, or employers Please retain only the following correct information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX Response Deadlines You must respond within 30 days under 15 U.S.C. 1681i ( a ) You must provide the method of verification within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ) All responses must be sent by mail only. I do not authorize communication by email or phone Failure to comply may result in formal complaints being filed with the CFPB, Federal Trade Commission ( FTC ), and the New York State Attorney Generals Office, as well as legal action for violations of the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief