Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NY
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, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Action Needed : Rectifying FCRA Violations in My Credit Report Dear Equifax, I trust this message finds you well. I am reaching out urgently regarding discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors persist in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information. Its primary purpose is to ensure the accurate acquisition, retention, and disclosure of a consumer 's credit data, promoting transparency and fairness in credit reporting practices. 

Instances of FCRA violations identified in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by agencies. 
Neglect of mandated dispute resolution procedures. 
Under the Fair Credit Reporting Act, I hold specific rights, including : The right to verify the accuracy of my report, particularly for employment-related purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request the correction or removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the legally defined time frames. 
I formally request the immediate rectification of the listed items below. These items significantly breach FCRA standards due to inaccuracies, lack of verification, and ongoing invalidation. Their presence has caused considerable distress, notably impacting my recent credit denial due to errors originating from your agency. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. The inquiry was not authorized CERTIFIED CREDIT Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

5. The inquiry was not authorized EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

6. XXXX XXXXXXXX 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. 

7. 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. 

8. XXXX  Account Number : XXXX I anticipate swift and comprehensive action to rectify these violations within the FCRA 's stipulated timeframe. Failure to comply will regrettably necessitate my pursuit of legal measures to protect my rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation