Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: CA
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/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  Subject : Immediate Attention Required : FCRA Violations in My Credit Report Dear Equifax, I hope this message reaches you in good spirits. I am writing urgently regarding troubling discrepancies discovered in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Regrettably, there are persistent errors within my credit profile, signaling a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act stands as a crucial federal statute governing the accurate collection and reporting of consumer credit information. It mandates precise acquisition, retention, and disclosure of a consumer 's credit data, ensuring transparency and fairness in credit reporting practices. 

Identified instances of FCRA violations include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am granted specific rights, including : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items egregiously contravene FCRA standards due to inaccuracies, lack of verification, and continued invalidation. Their presence has resulted in considerable distress, particularly evident in my recent credit application denial due to errors originating from your agency. 
1. XXXX XXXX XXXX Account Number : XXXXXXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

2. XXXX XXXX Account Number : XXXXXXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

3. XXXX XXXX XXXX XXXXXXXX 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. 

4. XXXX Account XXXX  : XXXXXXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

5. XXXX XXXX  Account Number : XXXXXXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

6. XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

7. XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 




I anticipate swift and thorough action to address these violations within the FCRA 's mandated timeframe. Failing to comply will regrettably leave me with no alternative but to pursue legal measures to ensure my rights under the FCRA are fully honored. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation