Consumer complaint received 2023-06-28
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: Personal information incorrect

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, GA XXXX SSN : XXXX Contact Number : XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( or ) XXXX XXXX XXXX XXXX , PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX Dear XXXX, Equifax, and XXXX, I am writing to dispute the inaccuracies in my credit report regarding the addresses listed in my personal information. I have never resided at the addresses mentioned, and it is alarming to see this incorrect information. XXXX is reporting the following addresses ( please delete ) : Address ID XXXX  XXXX - Multifamily XXXX XXXX  XXXX XXXX, XXXX XXXX FL, XXXX, Address ID XXXX  XXXX - Single family XXXX XXXX XXXX XXXX XXXX NY , XXXX. Additionally, the cellular numbers ( XXXX ) XXXX and ( XXXX ) XXXX listed on my report do not belong to me ( please remove ). My address is XXXX XXXX XXXX XXXX XXXX . XXXX XXXX GA XXXX In regards to XXXX and Equifax, please correct my name as well. Please remove Name ID XXXX  XXXX XXXX XXXX XXXX, Name ID XXXX  XXXX XXXX XXXX, and Name ID XXXX  XXXX ( PLEASE REMOVE ). My name is XXXX XXXX XXXX. I am a victim of identity theft, and I request that you remove the fraudulent addresses and incorrect name spelling from my account. Please send me an updated and accurate statement reflecting these corrections. 

I also request that you cease reporting this inaccurate information to all nationwide credit reporting agencies ( CRAs ) to which you have provided it. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my reputation, character, and ability to qualify for new credit. As a consumer, I have the right to accurate and fair reporting of my credit history. This discrepancy is creating an unfair and inaccurate representation of my creditworthiness. Therefore, I kindly ask you to remove this information immediately from my credit report and provide me with a copy of my new credit report, reflecting the removal of these accounts upon completion. 

Enclosed with this letter is a copy of my Identity Theft Report, supporting my position, as well as a copy of my credit report highlighting the fraudulent items associated with your company, which resulted from identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] I have also included a copy of the Notice to Furnishers issued by the Federal Trade Commission, which outlines your responsibilities as an information furnisher to CRAs under the Fair Credit Reporting Act. The Notice specifies your obligations when notified by a CRA, under section 605B of the FCRA, that information you provided to the CRA may be the result of identity theft. These responsibilities include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring fraudulent debts to another party for collection. 

Furthermore, I believe that the furnisher of this information, namely XXXX, Equifax, and XXXX, is an unreliable source. Their inconsistent reporting raises serious doubts about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this discrepancy from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation