Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I am urgently addressing critical discrepancies discovered in my credit report that blatantly contravene the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). Upon thorough review, it has become unmistakably clear that several errors persist within my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a vital federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of consumer credit data, ensuring transparent information sharing with consumers. 

Identified 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. 
Agencies neglecting prescribed protocols for dispute handling. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if my file 's information has been used against me in credit applications or other transactions. 
The ability to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undeniably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, stemming from errors originating from your agency. 

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

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX This is not my name. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX This is not my Employer. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXXXXXX XXXX This is not my Employer. Delete it immediately from my report. 

XXXX. The inquiry was not authorized 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. 


I anticipate prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief