Consumer complaint received 2024-10-03
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)

Complaint Title : Immediate Deletion of Inaccurate Account from Credit Report Description : I am submitting an urgent complaint regarding serious inaccuracies on my credit report from Equifax. The following account is not only reported incorrectly but is causing significant harm to my creditworthiness. I demand immediate action to rectify this matter. 

Personal Information : Full Name : XXXX XXXX Last Four Digits of SSN : XXXX Date of Birth : XX/XX/XXXX Account Information : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Revolving Account Status : Derogatory Last Reported : XX/XX/XXXX Discrepancies : 1. Credit Limit : This account is falsely reported with a credit limit of {$0.00}, undermining the integrity of the credit reporting system. 
2. Monthly Payment : The monthly payment is inaccurately listed as {$0.00}, misrepresenting the status of this account. 
3. Consumer Disputes Notation : The notation " Consumer disputes this account information '' appears multiple times, creating confusion and violating the Fair Credit Reporting Act ( FCRA ). 
4. TwoYear Payment History : The lack of detailed payment information contravenes FCRA requirements for accuracy and completeness. 

Moreover, this account has been sold to XXXX XXXX, meaning I no longer owe any debt on it. Reporting this account constitutes double jeopardyan unjust penalization for a debt that has been resolved. Under 623 ( a ) ( 1 ) ( A ) of the FCRA, it is illegal to furnish inaccurate information to consumer reporting agencies. Continued reporting of this account violates my rights and undermines my financial reputation. 

Similar Lawsuit Reference : In the case of XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, the court ruled in favor of the consumer when inaccuracies in reporting were identified. The judge emphasized that incorrect information can lead to significant harm, warranting immediate correction and removal. This ruling supports my assertion that I am entitled to accurate reporting and protection against erroneous data that has been transferred to another entity. 

Legal Basis : I invoke my rights under the Fair Credit Reporting Act ( FCRA ) 611, which entitles me to dispute inaccuracies and compels credit reporting agencies like Equifax to conduct thorough investigations. It is unacceptable to continue reporting a resolved debt, and I expect immediate action. 

Demand for Action : I DEMAND the IMMEDIATE DELETION of this inaccurate account from my credit report. If this matter is not resolved promptly, I will seek {$1000.00} per violation, as permitted under the FCRA, and pursue all available legal remedies to protect my rights. 

Attachments : I have attached copies of my credit report and supporting documentation that validate my claims. 

I expect an immediate response detailing the actions taken regarding this matter. This situation requires urgent resolution, and I trust that you will treat it with the seriousness it deserves. 

Thank you.