Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: GA
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 Attn : Legal Disputes Department This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
This is of grave importance that this matter is address, because it is putting serious financial stress on my life and my ability to sustain myself and family. 
I demand that the following account be verified or removed immediately : 1. The following account is not mineXXXXAccount Number : XXXXPlease delete it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number:XXXX******Please delete it from my credit report. 
3. The following account is not mineXXXX XXXXAccount Number : XXXXPlease delete it from my credit report. 
4.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report. 


5. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report. 

6.The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : ******* Please delete it from my credit report. 

7. The following account is not mine XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : ****** Please delete it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX XXXX XXXX 
Account Number : **** Please delete it from my credit report. 

9. This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 

10.This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 

11. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report.

Company response to consumer: Closed with explanation