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:
XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX  Date of Birth : XX/XX/XXXXXXXX  Subject : Urgent : Addressing FCRA Violations in My Credit Report Dear Equifax, I trust this message finds you well. I am writing urgently to address significant discrepancies uncovered in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises substantial concerns about the compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act serves as a crucial federal statute that governs the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations found in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially in matters related to employment. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after seven or ten years, contingent on bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably leading to my recent denial of extended credit due to errors originating from your agency. 
1. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. XXXX - XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

8. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

9. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

10. 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. 

11. 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. 

12. The following personal information is incorrect Account Number : Please remove this inaccurate information from my credit report. 

13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XX/XX/XXXX 14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 16. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NH XXXX XX/XX/XXXX 18. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 



I anticipate prompt action to rectify these violations within the specified timeframe outlined by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are upheld. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief