Consumer complaint received 2023-12-15
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX SS # : XXXX Date of BirthXX/XX/XXXX Subject : Immediate Action Required : Correcting FCRA Violations in My Credit Report Dear Equifax I trust this message finds you well. I am writing urgently to address critical discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review, it has become evident that persistent errors remain within my credit profile, indicating a significant oversight in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent dissemination of such data. 

Instances of FCRA violations requiring immediate attention include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes within agencies. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
The removal of outdated negative information, typically after seven or ten years in cases of bankruptcy.

I formally request the immediate removal of the listed items below, as they unmistakably breach FCRA standards due to inaccuracies, lack of verifiability, and continual invalidation. Their presence has caused significant distress, prominently evidenced in my recent denial for extended credit due to errors originating from your agency. 

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. 

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. 

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. 

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. 

XXXXXXXX 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. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX I anticipate prompt action to rectify these violations within the FCRA-mandated time frame. 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