Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: GA
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 : Rectification Needed for FCRA Violations in Credit Report Dear EQUIFAX, I am writing urgently to address substantial discrepancies in my credit report that blatantly contravene the guidelines set by the Fair Credit Reporting Act ( FCRA ) within your agency. 

The FCRA is a crucial federal statute governing the collection and reporting of consumer credit information, ensuring meticulous acquisition, retention, and disclosure of credit data for transparent information sharing. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my information is used against me in credit applications or transactions. 
Dispute and request correction or removal of incomplete or erroneous data. 
Removal of outdated negative information as per FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items breach FCRA standards due to inaccuracies, lack of verification, and ongoing invalidation, causing significant distress and impacting my recent credit denial stemming from errors in your agency 's records. 

1. The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXXXXXX  4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

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

6. I was never late on this account XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

7. I was never late on this account XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

8. This charge off account does not belong to me. I never have any financial obligation with this company 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. 

I expect swift action to rectify these violations within the FCRA-mandated timeframe. Failing compliance will leave me no option but to pursue legal actions to uphold my rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief