Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: TX
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, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I'm reaching out urgently to address concerning discrepancies I've discovered in my credit report that directly contravene the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review, it's apparent that several errors persist within my credit profile, indicating a notable failure in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a vital federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of consumer credit data, fostering transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I'm entitled to : Verify the accuracy of my report, especially for employment purposes. 
Be notified if my file 's information has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undoubtedly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, as evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

3. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. XXXX XXXX Account Number : XXXX This account doesn't belong to me. Please remove it from my credit report to avoid any litigation. 


I anticipate prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will unfortunately compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief