Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Correction Needed : Rectifying FCRA Violations in My Credit Report Dear Equifax, I am writing with urgency regarding critical discrepancies identified in my credit report, directly violating the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has come to my attention that persistent errors exist within my credit profile, indicating a concerning disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute that governs the collection and reporting of consumer credit information. It mandates the accurate acquisition, maintenance, and dissemination of a consumer 's credit data, alongside transparent information sharing with consumers. 

Instances of FCRA violations in my case involve : Inaccurate financial data provided by creditors to reporting agencies. 
Agencies merging individuals ' information based on name or social security number similarities. 
Failure to adhere to prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if information from my file has been used against me in credit applications or other transactions. 
Dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).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 undeniably violate FCRA standards due to their inaccuracies, lack of verifiability, and continual invalidation. Their presence has led to significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

XXXX XXXX XXXX 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. 

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. 

XXXX. XXXX XXXX XXXX  Account Number : 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. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not correct. Delete it immediately from my report. 

XXXX. This account is not reported consistently on all three credit bureaus. Only Equifax report this account. I don't own this account. I never received any pertinent paperwork informing me of this debt. 
XXXX Account Number : 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. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX This address is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address is not correct. Delete it immediately from my report. 


I anticipate prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are respected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation