Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, 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 XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following accounts that I did not open or authorize the opening of : XXXX XXXX Account Number : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX This account is not mine.Please delete this inaccurate information from my credit report. 

XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX This account is not mine. Please delete this inaccurate information from my credit report. Also, the status of this account is inaccurate. The balance is XXXX but the account is in collection. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof, more specifically, an original consumer contract with my signature from the ORIGINAL CREDITOR, or any other documentaton that was used to furnish this INACCURATE information onto my credit file. The Fair Credit Reporting Act outlines ALL guidelines in regard to investigating an account. Please verify with PHYSICAL PROOF OR DELETE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. Additionally, please investigate each and every notation on these accounts. If you are unable to verify these accounts and their accuracy, with physical proof ( the original contract ), or any other proof, in the form of physical documentation, these accounts must be DELETED in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ).

There are also several inquiries present on my credit report that i did not authorize or inititiate. I have listed them below : Unauthorized Inquiries : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me.Please send an updated copy of my credit report to theaddressbelow.According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : Identification Social Security Card

Company response to consumer: Closed with explanation