Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
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 : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Equifax I hope this message reaches you well. I'm writing with urgency regarding significant discrepancies in my credit report that flagrantly violate the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review of my credit profile, it has become evident that multiple errors persist, pointing to an alarming 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. Its fundamental purpose is to ensure the accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby fostering transparency in information sharing. 

Instances of FCRA violations in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies merging individuals ' information based on names or social security number similarities. 
Neglecting prescribed protocols for handling disputes by agencies. 
Under the Fair Credit Reporting Act, I retain specific rights : XXXX of the accuracy of my report, particularly for employment purposes. 
Receipt of notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Requesting the removal of outdated negative information, typically after seven or ten years, depending on bankruptcy status. 
I formally request the immediate removal of the listed items below. These items substantially breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, significantly impacting my recent credit denial due to errors originating from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


I anticipate swift action to rectify these violations within the FCRA-mandated timeframe. Failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Thank you for your immediate attention to this pressing matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief