Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XX/XX/2021, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation