Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

URGENT Dispute Removal of XXXX XXXX XXXX, Rent-to-Income Data, Fraud Alerts, Incorrect Addresses, and Rental Screening Platforms To Whom It May Concern, This is a formal dispute demanding the immediate removal of false and damaging information from my credit file. The following actions must be completed within 24 hours of receipt of this letter, as these errors are severely affecting my ability to secure housing and credit approvals : 1. Remove XXXX XXXX XXXX : There is an inaccurate balance listed on my report for XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX 2XXXX, XXXX, GA XXXX. I do not owe any balance to XXXX XXXX, and the presence of this erroneous information is preventing me from obtaining necessary approvals. This false balance must be removed immediately. 
2. Remove Inaccurate Rent-to-Income Data : The rent-to-income data listed on my file is completely inaccurate. How are you determining my income? This misrepresentation is having a negative impact on my ability to secure housing. Correct or remove this incorrect rent-to-income ratio immediately. 
XXXX. Remove Fraud Alerts : Any fraud alerts on my report must be removed immediately. I did not request these alerts. 
XXXX. Remove All Incorrect Addresses : The only valid address on my record is XXXX XXXX XXXX, XXXX, GA XXXX. All other addresses must be deleted. Their presence is damaging my creditworthiness. 
XXXX. Remove from Rental Screening Platforms : In addition to correcting the errors on my credit report, you are required to remove this inaccurate information from any and all rental screening platforms that report data to landlords or property managers. This data is stopping me from being approved for housing, and its continued presence constitutes a violation of my rights.

Legal Basis for My Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate, fair, and complete information. Section 611 of the FCRA provides me the right to dispute any inaccurate information, and your agencies are legally obligated to investigate and resolve such disputes. Given the seriousness of these errors and their negative impact on my housing and credit applications, I demand this issue be resolved within 24 hours.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), you are prohibited from reporting inaccurate or incomplete information, especially when it prevents consumers from securing housing or credit. The continued reporting of this false data is a direct violation of federal law. 

Immediate Actions Required : Remove the erroneous XXXX XXXX XXXX balance from my credit report. 
Correct or remove the false rent-to-income data. 
Remove all fraud alerts from the comments of my report. 
Remove all addresses that are not XXXX XXXX XXXX, XXXX, GA XXXX. 
Ensure this information is removed from all rental screening platforms where it is being reported and used against me. 

Failure to resolve this dispute within 24 hours will leave me with no option but to take legal action to protect my rights under the FCRA, including seeking compensation for damages caused by your agencys failure to correct these errors. 

Please provide written confirmation that the above issues have been corrected, along with an updated copy of my report reflecting the changes. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX