Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth :XX/XX/XXXX Subject : Urgent Resolution Needed : Correcting FCRA Violations in My Credit Report Dear Equifax I trust this message finds you well. I am writing with urgency to address significant disparities in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). Upon a meticulous review, it has come to my attention that persistent errors persist within my credit profile, pointing towards a substantial oversight in FCRA adherence within your agency. 

To elaborate : The Fair Credit Reporting Act stands as a cornerstone federal statute governing the collection and disclosure of consumer credit information, mandating precise data collection, retention, and transparent sharing practices. 

Instances of FCRA violations that require immediate rectification include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies based on similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes within agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information in my file has been utilized against me in credit applications or other transactions. 
The ability to dispute and request bureaus to rectify and eliminate incomplete, erroneous, or unverifiable data. 
The removal of outdated negative information, typically after seven or ten years in cases of bankruptcy. 
I formally request the immediate removal of the listed items below, as they unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and continual invalidation. Their presence has led to considerable distress, prominently evidenced in my recent credit denial due to errors originating from your agency. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

XXXX 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. 

XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. XXXXXXXX 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. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

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. 

XXXX. XXXX XXXXXXXX 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. 

XXXX. XXXXXXXX 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. 

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. 

XXXX. XXXXXXXX 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. 

XXXX. XXXX XXXXXXXX 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. 

XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. XXXXXXXX XXXX Account Number XXXX XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 



I anticipate swift action to rectify these infractions within the stipulated FCRA timeframe. Failing to comply will unfortunately necessitate my pursuit of legal measures to ensure my FCRA rights are duly honored. 

Sincerely, XXXX XXXX

Company response to consumer: In progress