Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NJ
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, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Urgent Request : Rectifying FCRA Violations in Credit Report Dear Equifax, I am writing urgently regarding discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Multiple errors have been identified within my credit profile, indicating a disregard for FCRA standards within your agency. 

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

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies combining individuals ' information due to name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act include : The right to validate the accuracy of my report, especially for employment-related purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the rectification or removal of 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Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).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 clearly violate FCRA standards due to inaccuracies, lack of verification, and persistent errors. Their inclusion has caused significant distress, notably resulting in my recent credit denial due to errors originating from your agency. 


1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. XXXX Account Number : 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. 

3. XXXX 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. 

4. 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. 

5. 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. 

I expect prompt action to rectify these violations within the FCRA 's stipulated timeframe. Failure to comply will unfortunately compel me to pursue legal measures to protect my rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: In progress