Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: MT
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Required for FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing to address discrepancies in my credit report that seem to conflict with the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review, it has become apparent that several errors persist within my credit profile, suggesting possible non-compliance with FCRA standards within your agency. 

Allow me to stress the significance of the Fair Credit Reporting Act, a pivotal federal statute governing the collection and reporting of consumer credit information. It serves as the cornerstone for ensuring accurate acquisition, retention, and disclosure of consumer credit data, fostering transparency and fairness for consumers. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies based on name similarities or social security numbers. 
Neglecting prescribed dispute-handling protocols within agencies. 
Under the Fair Credit Reporting Act, individuals like myself have certain rights, including : Verification of report accuracy, particularly for employment purposes. 
Notification if our information has been used against us in credit applications or other transactions. 
The ability to dispute and request the rectification or removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information after a certain period. 
I formally request the immediate rectification of the listed items below. These inaccuracies blatantly breach FCRA standards and have caused significant distress, as demonstrated in a recent denial for extended credit due to errors originating from your agency. 
1. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

2. i don't own any debt on this account. the account was closed with zero balance. However Equifax still report the inaccurate balance of XXXX. The payment history is different across all three bureaus. 
XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. XXXX XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

4. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

5. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

6. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

7. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 


Your prompt attention to rectifying these violations within the FCRA 's mandated timeframe is greatly appreciated. Failure to address these concerns may require me to pursue legal measures to uphold my rights under the FCRA. 

Thank you sincerely for your cooperation and understanding in this matter. 

Best regards, XXXX XXXX

Company response to consumer: In progress