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 XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( or ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Equifax, and XXXX, I am writing to dispute the inaccuracy of the information contained in my credit report regarding the addresses listed in my personal information. It is alarming to see addresses that I have never lived at associated with my name. XXXX is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX PLEASE DELETE ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( PLEASE REMOVE ). Equifax and XXXX are reporting XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( PLEASE REMOVE ). In regards to XXXX, please remove the following accounts : address ID # XXXX, address ID # XXXX, address ID # XXXX, and address ID # XXXX. Additionally, please update the correction of my name. Remove XXXX XXXX XXXX ( Name ID # XXXX ) and XXXX XXXX ( Name ID # XXXX ). My correct 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 provide me with an updated and accurate statement. 

I also request that you cease reporting this inaccurate information to all nationwide credit reporting agencies ( CRAs ) to which it was provided. 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, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. I insist on the immediate removal of this information from my credit report, and I kindly request a copy of my updated credit report reflecting the removal of this information. 

Enclosed with this letter, you will find a copy of my Identity Theft Report, which provides supporting evidence for my position. Additionally, I have included a copy of my credit report highlighting the fraudulent items related to your companies, which are a direct result of identity theft. Any unrelated information in the enclosed documents has been redacted. I have also included a copy of the Notice to Furnishers issued by the Federal Trade Commission, which outlines your responsibilities as information furnishers to CRAs under the Fair Credit Reporting Act. This notice specifies your obligations when you receive notice from a CRA, under section 605B of the FCRA, that the information you provided may be the result of identity theft. It is essential that you cease providing inaccurate information to any CRAs and refrain from selling or transferring the fraudulent debts to another party for collection. 

Furthermore, I believe that the furnisher of this information, XXXX, Equifax, and XXXX, are unreliable sources. Their inconsistent reporting raises serious doubts about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly ask for the removal of this collection account 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 Thank you. 

Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with explanation