Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Rectification Required : FCRA Violations in My Credit Report Dear EQUIFAX, I hope this message finds you well. I am writing to address significant discrepancies recently identified in my credit report, potentially breaching the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, several errors have emerged, raising concerns regarding compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act serves as a pivotal federal statute governing the collection and reporting of consumer credit information, stressing the importance of accurate data acquisition, retention, and transparent dissemination. 

Instances of FCRA violations noted include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies consolidating individuals ' information based on name or social security number similarities. 
Agencies neglecting prescribed protocols for dispute resolution. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment-related purposes. 
Receive notification if information in my file has been utilized in credit applications or other transactions against me. 
Dispute and request bureaus to rectify and expunge incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed in accordance with FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items evidently contravene FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced by my recent denial for extended creditan outcome directly linked to errors originating from your agency. 

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

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

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

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

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

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

7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 


I trust in your prompt action to rectify these violations within the specified timeframe mandated by the FCRA. Failure to comply will, regrettably, compel me to pursue legal measures to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation