Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Urgent Rectification Required : Addressing FCRA Violations in My Credit Report Dear Equifax, I am reaching out urgently regarding significant discrepancies identified in my credit report, which directly violate the Fair Credit Reporting Act ( FCRA ) guidelines. Upon a detailed review of my credit profile, it has become apparent that numerous errors persist, indicating a substantial oversight of FCRA regulations within your agency. 

To emphasize the critical aspects : The Fair Credit Reporting Act is a vital federal statute that governs the accurate collection, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case involve : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to similarities in names or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been utilized against me in credit applications or other transactions. 
Dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within the specified timelines. 
I formally request the immediate removal of the listed items below, as they blatantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, which was evident in my recent denial for extended credit, a result of errors originating from your agency. 

1. The following personal information is incorrect Account Number : Employers : XXXX 2. The following personal information is incorrect Account Number : Employers : XXXX XXXX 3. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 4. XXXXXXXX  Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. XXXX Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. XXXX  Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

8. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

9. XXXX, XXXX  Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

10. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

11. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

12. XXXX  Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

13. Validate Account XXXX XXXX XXXX Account Number : XXXX  I was never late on this account. Please remove those late payments. 

14. I never late on this account XXXX XXXX Account Number : XXXX  I was never late on this account. Please remove those late payments. 

15. The following personal information is incorrect Account Number  : Employers : XXXX 16. The following personal information is incorrect Account Number : Employers : XXXX XXXX 17. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 18. The inquiry was not authorized XXXX XXXX , XXXX Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  20. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  21. The inquiry was not authorized US DEPARTMENT OF EDU Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

22. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  I anticipate prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief