Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

**Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : ** This act requires credit reporting agencies to report accurate information. Under this code, you can dispute any inaccurate information on your credit report. - **Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : ** This act regulates the conduct of debt collectors. You can dispute a collection if there were any violations in the way the debt was contact the creditor -- - [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information - [ Collection Account Number ] XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX In accurate information on my credit file I dont have or own a credit card 15 account open in my name 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Dear Sir/Madam, I am writing to dispute the following information in my credit report. The item I am disputing is circled on the attached copy of the report I received. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that this item be removed or corrected to reflect accurate information. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I request validation of this debt. Please provide all relevant documentation that verifies the validity of this debt, including but not limited to : 1. Proof that the debt belongs to me. 2. The original creditor 's name and address. 3. The amount of the debt and detailed explanation of any fees or interest added. Please conduct a reinvestigation of this disputed information and delete or correct the inaccurate information within 30 days. I expect a copy of my updated credit report reflecting these changes. Attached are copies of my credit report and any relevant documents supporting my position. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX ] Also My SSI was compromised in the NPD data breach. These accounts was open without my knowledge. I dont have any knowledge of any of these accounts on my credit report and will you please remove them C code 1681 G