Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: KY
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/2023 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, KY XXXX Subject : Urgent Request : Rectifying FCRA Violations in My Credit Report Hello, I hope this message finds you well. I am writing with urgency regarding discrepancies discovered in my credit report that potentially breach the guidelines set by the Fair Credit Reporting Act ( FCRA ). After a comprehensive review of my credit profile, several errors have surfaced, raising substantial concerns about FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act stands as a crucial federal statute governing the collection and reporting of consumer credit information. It emphasizes meticulous data handling, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to their inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 

XXXX following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX. XXXX XXXX XXXX Balance {$590.00} Credit limit {$500.00} 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. 

XXXX. XXXX XXXX XXXX Balance {$520.00} Credit limit {$300.00} 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. 

XXXX. XXXX XXXX XXXX Balance {$0.00} Credit limit {$200.00} 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. 

XXXX. XXXX XXXX XXXX Balance {$520.00} Credit limit {$950.00} 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. 

XXXX. XXXX XXXX XXXX Balance {$0.00} Credit limit {$720.00} To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX XXXX Balance {$4500.00} Highest Balance {$4600.00} Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. XXXX XXXX XXXX Balance {$2500.00} Highest Balance {$2500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief