Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: AR
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 XXXX, XXXX  XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Needed for Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I trust this message finds you well. I am writing with urgency regarding critical inconsistencies found in my credit report, which directly contradict the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors continue to exist in my credit profile, indicating a concerning lapse in adherence to FCRA regulations within your agency. 

To elaborate : The Fair Credit Reporting Act stands as a fundamental federal statute governing the collection and reporting of consumer credit information. Its fundamental purpose is to ensure the accurate acquisition, maintenance, and disclosure of a consumer 's credit data, fostering transparency and equity in credit reporting practices. 

Identified instances of FCRA violations in my report encompass : Provision of inaccurate financial data by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by agencies. 
Neglect of prescribed dispute resolution procedures. 
Under the Fair Credit Reporting Act, I am entitled to 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 utilized against me in credit applications or other transactions. 
The authority to dispute and request rectification 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Removal of outdated negative information within the legally defined time frames.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 unequivocally violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused significant distress, notably affecting my recent credit denial due to errors originating from your agency. 

XXXX. The inquiry was not authorized 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. 

XXXX. The inquiry was not authorized CPS/MAIL Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized 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 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 Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

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. 

XXXXXXXX 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 Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report I anticipate swift and comprehensive action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will leave me with no alternative but to pursue legal recourse to safeguard my rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief