Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Action Required : Rectifying FCRA Violations in Credit Report Dear Equifax XXXX I hope this message finds you well. I'm urgently reaching out regarding significant discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ) guidelines. It has come to my attention that multiple errors persist in my credit profile, indicating a concerning oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to similarities in names or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act entail : The right to verify the accuracy of my report, especially 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 request 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Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).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 unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX XXXX  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. 

XXXX. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 



I anticipate prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are honored. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief