Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: DE
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX DOB : XX/XX/XXXX Social Security Number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Your agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following account does not belong to me : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} I did not open this account and this account does not belong to me. This collection is inaccurate, please delete from my credit report. 

In lieu of the Fair Credit Reporting Act which states, Whenever a consumer reportin agency prepares a consumer report, it shall follow REASONABLE procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681e ( b ) ) These are compliance procedures that you MUST adhere to. You have failed to do so. My credit report is required by federal law to be 100 % accurate and 100 % VERIFIABLE. I am requesting that this account be re-investigated and VERIFIED through physical proof in the form of the original creditor contract with my bearing signature as well as an explanation of the verification method used to make your final determination. I am afforded this right through FCRA Section 611. Additionally, please investigate each and every notation on these accounts. If you are unable to verify these accounts and their accuracy, with physical proof ( the original contract ), or any other proof, in the form of physical documentation, these accounts must be DELETED in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ).

I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me to the address listed on this letter. You have 30 days to complete this re-investigation. I am confident that you will find this account was ilegally furnished onto the wrong credit report. PLEASE DELETE AS SOON AS POSSIBLE. I am confident your agency will practice integrity and delete this account swiftly to avoid further escalation and invoicing for each violation in the amount of {$1000.00} USD per violation, as well as, invoicing for defamation of character and willful non-compliance. 

Please send an updated copy of my credit report showing these changes to the address listed on the header of this letter. 

I appreciate your due-diligence in resolving this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( I have not used a signature to avoid forgery in the investigation process ) I have enclosed documents that verify my identity : Identification Social Security Card Utility Bill

Company response to consumer: Closed with explanation