Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: OH
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:
Subject : Urgent Action Needed : Rectifying FCRA Violations in My Credit Report Dear Equifax, I hope this message reaches you well. I am writing with utmost urgency to address significant discrepancies in my credit report that blatantly contradict the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review of my credit profile, it has become glaringly evident that multiple errors persist, indicating a substantial oversight of FCRA regulations within your agency. 

To highlight the key points : The Fair Credit Reporting Act is a pivotal federal statute governing the accurate acquisition, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies amalgamating individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment purposes. 
Receive notification if my information has been used against me in credit applications or other transactions. 
Dispute and demand the rectification of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they flagrantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, which was undeniably evidenced in my recent denial for extended credita direct consequence of errors originating from your agency.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX 11. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

13. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

14. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

15. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

16. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

17. XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

18. XXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

19. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

20. XXXXXXXX XXXX  Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

21. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

22. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 23. The following personal information is incorrect Account Number : Employers : XXXXXXXX XXXX XXXX XXXX I earnestly appeal for swift action to rectify these violations within the FCRA-mandated timeframe. Failure to comply might regrettably compel me to explore legal avenues to ensure my rights under the FCRA are diligently upheld. 

Thank you sincerely for your immediate attention to this pressing matter. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief