Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
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, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Addressing FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am urgently reaching out regarding critical discrepancies that have come to light in my credit report, presenting clear violations of the Fair Credit Reporting Act ( FCRA ). Upon a thorough review, it has become evident that several errors persist within my credit profile, signaling a troubling oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a cornerstone federal statute overseeing the collection and reporting of consumer credit information. Its mandates emphasize the accurate acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations observed include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies based on name or social security number similarities. 
Neglect of prescribed protocols for handling disputes by agencies. 
My rights under the Fair Credit Reporting Act entail : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been utilized against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items indisputably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
XXXXXXXX XXXX XXXX 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. 

XXXX. XXXX Account XXXX : 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. 

XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 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. 


I am earnestly counting on swift action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply may necessitate exploring legal measures to ensure my rights under the FCRA are respected. 

Sincerely, XXXX XXXX

Company response to consumer: In progress