Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : Alleging Creditors and Accounts as is reported as having a late payment on my credit report : Total balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave XXXX XXXX XXXX XXXX XXXX my written consent for anything. I have no clue who that is. The dating service Id canceled and I have proof of that!! My cat died in my arms and they didnt a hoot they just wanted money. And they misrepresented their organization I have never in my life had XXXX XXXX. Matter fact the only internet avail in my area is XXXX!!!! Thats a lie. 

I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are 38 name violations that are inaccurate as well!!!! No The goal with my credit profile should be maximum possible accuracy. Whats actually fair and true. None of this is 100 % accurate. This has caused me to experience so many damages its unreal. The inability to get a loan, the inability to get a high limit credit card or even a mortgage. If I am offered anything Im met with the highest interest rates, high down payments and no grace periods. Everything on my credit reports has been causing me a great deal of stress, XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. Im actively in in therapy, I go to counseling and now Im on TXXXX XXXX XXXX XXXX XXXX XXXX associated with all of this inaccurate information being reported about me. I also want to know whty closed accounts are still visible?? Thats not okay, fair or true. 

The student loan I haver never been in school in XXXX and beyond All those loan originated in XXXX I wasnt in college then thats a lie. I demand you all to delete that Why are medical bills on my report? 

Ive never given XXXX XXXXXXXX or anyone else permission to run a hard inquiry!!! There are F O U R violations- NONE OF THE NUMBERS ARE MINE- 3 VIOLATIONS I demand to be compensated for each violation on my credit report in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agengy can not furnish an account I will await your reply with the above requested proof. 

Kind Regards, XXXX.

Company response to consumer: Closed with non-monetary relief