Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: AZ
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 XXXXXXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am reaching out urgently regarding significant discrepancies found in my credit report that potentially violate the guidelines set by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, numerous errors have surfaced, prompting concerns about FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information, emphasizing accurate data acquisition, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Consolidation of individuals ' information by reporting agencies based on name or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning matters related to employment. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed according to FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly diverge from FCRA standards due to their inaccuracies, lack of verification, and consistent invalidation. Their presence has caused substantial distress, as demonstrated by my recent denial for extended credit, 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 XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX 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. 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. 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. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXXXXXX 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 XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. BIG XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. 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. 

XXXXXXXX XXXX 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. 

XXXXXXXX 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. 

XXXX. XXXX 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. 

XXXX. XXXX XXXX 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. 

XXXX. XXXX 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. 

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. 

XXXX. XXXXXXXX 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. 

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. 

XXXX. XXXX XXXX XXXXXXXX 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. 

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 trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate the pursuit of legal action to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX

Company response to consumer: In progress