Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: VA
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 : Addressing Urgent FCRA Violations in Credit Report Dear Equifax, I hope this message finds you well. I'm urgently contacting you regarding critical inconsistencies found in my credit report, directly violating the Fair Credit Reporting Act ( FCRA ). It has come to my attention that several inaccuracies persist within my credit profile, indicating a significant oversight of FCRA regulations within your agency.

To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It mandates accurate data collection, retention, and fair sharing of consumer credit data while ensuring transparency in information exchange with consumers.

Instances of FCRA violations in my case include : Inaccurate financial data provided by creditors to reporting agencies.

Agencies merging individuals ' data due to similarities in names or social security numbers.

Neglect of prescribed protocols in handling disputes.

Under the Fair Credit Reporting Act, I retain specific rights : The right to verify report accuracy, especially for employment purposes.

Notification if my file information has been used against me in credit applications or other transactions.

The ability to dispute and request correction or removal of incomplete, erroneous, or unverifiable data from bureaus.

The removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request immediate rectification of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused significant distress, highlighted by my recent denial of extended credit due to errors originating from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX 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 XXXX 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. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please remove those late payments. 

XXXX XXXX XXXX XXXX XXXX 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. 


I expect prompt action to rectify these violations within the FCRA 's stipulated timeframe. Failure to comply may necessitate legal measures to ensure my rights under the FCRA are duly respected. 

Warm regards, XXXX XXXX

Company response to consumer: In progress