Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally dispute these fraudulent accounts listed on my credit report. These accounts were opened without my authorization and have compromised my credit standing. Under federal consumer protection laws, I am entitled to have fraudulent information removed from my credit file, and I request prompt action to ensure my report reflects only accurate and authorized information.

1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : The FCRA grants consumers the right to dispute inaccurate or fraudulent information and requires credit reporting agencies to investigate disputes within 30 days of receiving a request. If the disputed information is found to be fraudulent or inaccurate, it must be removed promptly. This statute also requires furnishers of credit information to ensure they report only verified and accurate information to consumer credit reports.

2. Fair and Accurate Credit Transactions Act ( FACTA ) ( Pub.L. 108159 ) : As an amendment to the FCRA, FACTA includes specific protections against identity theft and requires credit reporting agencies to expedite the removal of fraudulent accounts. Consumers are empowered under FACTA to request a free copy of their credit report and initiate fraud alerts, ensuring they have access to accurate reporting and preventing future fraudulent activity.

3. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This act criminalizes identity theft and fraudulently assuming another persons identity. It protects consumers from the consequences of fraudulent accounts on their credit report and supports the requirement for agencies to take action against fraudulent information.

Given these legal protections, I respectfully request that the fraudulent accounts on my report be investigated and removed immediately. Please confirm in writing once these items have been removed, along with an updated copy of my credit report.

Thank you for your prompt attention to this matter. I trust that these accounts will be removed to restore the accuracy and integrity of my credit file.