Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Equifax I am writing urgently to address concerning discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Upon a thorough examination of my credit profile, it has become evident that multiple errors persist, indicating an oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a vital federal statute governing the collection and reporting of consumer credit information. Its primary objective is to ensure the accurate acquisition, retention, and disclosure of a consumer 's credit data, fostering transparency in information sharing. 

Instances of FCRA violations in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Neglect of prescribed protocols for handling disputes by agencies. 
Under the Fair Credit Reporting Act, I retain the right to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if information in my file has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information, typically after seven or ten years, depending on bankruptcy status. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, notably impacting my recent credit denial resulting from errors originating from your agency. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VT XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. EQUIFAX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VT XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX. 
XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. 
XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

I anticipate a prompt resolution to rectify these violations within the FCRA-mandated timeframe. Failure to comply will unfortunately compel me to take legal action to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX XXXX