Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: IA
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 : Urgent Correction Needed : Rectifying FCRA Violations in My Credit Report Dear Equifax, I trust this message finds you well. I'm writing with urgency to address significant discrepancies in my credit report that blatantly contradict the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review of my credit profile, it has become evident that multiple errors persist, indicating a substantial oversight of FCRA regulations within your agency. 

To highlight the critical points : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate collection, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used in credit applications or other transactions against me. 
Dispute and demand the correction of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they blatantly 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 credita direct consequence of errors originating from your agency. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/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 Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I kindly ask for prompt action to rectify these violations within the XXXX timeframe. Failure to comply may necessitate pursuing legal measures to ensure my rights under the FCRA are diligently upheld. 

Thank you sincerely for your immediate attention to this pressing matter. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief