Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
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, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Request for Correcting FCRA Violations in My Credit Report Dear Equifax I hope this message finds you well. I am writing with urgency to address critical discrepancies I've recently identified in my credit report that blatantly contravene the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises serious concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations discerned in my report encompass : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after seven or ten years, contingent upon bankruptcy. 
I formally request the immediate rectification of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 
1. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. incorrect date of last payment XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. incorrect date of last payment XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. incorrect date of last payment XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. incorrect date of last payment XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. incorrect date of last payment XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

15. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX 18. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 20. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 21. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 22. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX 23. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 24. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 26. The following personal information is incorrect Account Number : Employers : XXXX I anticipate prompt and comprehensive action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation