Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NV
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:
Subject : Immediate Action Required : Rectifying FCRA Violations in My Credit Report Dear Equifax, I am urgently reaching out to address significant discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). It has come to my attention that multiple errors persist in my credit profile, signaling a concerning oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a crucial federal statute governing the collection and reporting of consumer credit information. It mandates the proper acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).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 significantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, as evidenced in my recent denial for extended credit due to errors originating from your agency. 

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

2. Sample Reason XXXX XXXX Bankruptcy Case Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. Sample Reason XXXX XXXX Account Number : XXXXXXXX  It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

6. Sample Reason XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
I anticipate prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation