Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute certain inaccurate information on my credit report and to request the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ). I kindly ask for your attention and assistance in addressing these matters, as the inaccuracies in my credit report have had a significant negative impact on my financial well-being and overall quality of life. 

XXXX : Account number : XXXX It has come to my attention that an account attributed to XXXX, XXXX the account number XXXX, is listed on my credit report. I am unable to recognize or identify this account, and I have serious concerns about its accuracy. Pursuant to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request a thorough investigation to verify the legitimacy of this account. Its inclusion on my credit report has caused undue stress and uncertainty, affecting my ability to secure favorable financial opportunities. 

XXXX : Account number : XXXX The entry for XXXX, with the account number XXXX, contains inaccurate information regarding my payment history. To the best of my knowledge, this account has never been paid late. I am distressed by the blatant inaccuracy of this report, which tarnishes my creditworthiness. In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I urge an immediate and thorough review of this entry to rectify the misinformation. 

XXXXXXXX XXXX : Account number : XXXX Similar to the aforementioned instances, the XXXX XXXX account ( account number : XXXX ) inaccurately reflects my payment history. The inaccurate reporting of late payments has unjustly undermined my credit standing. I invoke Section 611 ( a ) ( 1 ) ( A ) of the FCRA to request a comprehensive reevaluation of this entry, with the expectation that the inaccurate information be expunged. 

XXXX XXXX : Account number : XXXX The entry for XXXX  XXXX, bearing the account number XXXX, suffers from the same inaccuracies in payment history reporting. The misrepresentation of my financial conduct has adversely impacted my creditworthiness and financial opportunities. I call upon the provisions of Section 611 ( a ) ( 1 ) ( A ) of the FCRA to prompt a meticulous investigation and prompt correction of this erroneous entry. 

XXXX XXXX : Account number : XXXX My concerns extend to the entry for XXXX XXXX with the account number XXXX, which inaccurately portrays my payment history. This misreporting has cast doubts on my creditworthiness and compromised my access to favorable financial terms. Pursuant to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I implore an expedited review and rectification of this unjust entry. 

XXXX | XX/XX/XXXX : Account number : XXXX It has come to my attention that an unauthorized credit inquiry was made on my credit report by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and insist on its removal in accordance with Section 604 ( b ) ( 3 ) ( F ) of the FCRA. 

XXXX  | XX/XX/XXXX : Account number : XXXX Similarly, another unauthorized credit inquiry by XXXXXXXX on XX/XX/XXXX, has appeared on my credit report. I have not granted authorization for this inquiry and request its immediate removal under Section 604 ( b ) ( 3 ) ( F ) of the FCRA. 

I would also like to share a personal story of how these inaccuracies have deeply affected my life. As a [ personal details - e.g., single parent, recent graduate, etc. ], I have strived to build a secure financial future for myself and my family. However, the inaccuracies on my credit report have caused undue stress and XXXX. I recently applied for [ specific financial endeavor - e.g., a mortgage, a car loan, a credit card ], only to be met with denials and unfavorable terms due to the erroneous information. This has not only hindered my ability to achieve my financial goals but has also taken a toll on my mental and emotional well-being. 

In light of the aforementioned violations of the FCRA and the profound impact they have had on my life, I request that you compel the respective creditors to conduct a thorough investigation and subsequently remove the unverified accounts from my credit report. This is not only in accordance with the law but also represents a vital step toward restoring my financial security and peace of mind. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please communicate any updates or actions to me at the address provided above or via email at [ your email address ]. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief