Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

NOTE : It's not only limited to inaccurate information reporting, but wrong reporting, identity theft, and old information that never goes away, Dear Equifax XXXX XXXXn Agency , I am writing to formally dispute several collection accounts and inaccurate information reported in my credit file. This request is based on multiple legal provisions, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Act.

Collection Accounts : U.S. Department of Education : Account numbers XXXX XXXX and XXXX XXXX 
XXXX XXXX XXXX : Account number XXXX XXXX 
XXXX XXXX XXXX : Account number XXXX XXXX 
XXXX XXXX XXXX XXXX : Please remove this inquiry as I did not get anything for it. 

Legal Violations : Consumer Credit Act 1974, Section 86C : Creditors are required to provide debtors with notices of sums in arrears for regulated agreements. I have not received these notices for the above accounts.

FCRA 1681 ( 15 U.S.C. 1681 ) : Consumer reporting agencies must ensure the accuracy of reported information. Inaccuracies in my credit report violate this provision.

FCRA 1692c ( c ) ( 15 U.S.C. 1692c ( c ) ) : Debt collectors must cease communication upon written notice from the debtor. I have not been properly notified regarding these accounts.

FCRA 1692g ( 15 U.S.C. 1692g ) : Consumers must receive specific information about their debts within a reasonable timeframe. I have not received this information.

Inaccurate Information Additionally, I request the removal of all inaccurate and past addresses and phone numbers associated with my credit report, as advised by representatives from XXXX XXXXXXXX XXXX. I am a victim of identity theft, scamming, and computer hackers, and I have filed police reports ( XXXX XXXX Document Number XXXX in Texas and XXXX XXXX Police Report # XXXX in Florida ). 
FCRA 605B ( 15 U.S.C. 1681c-2 ) : I request the immediate deletion of all previous addresses and any incorrect names, including but not limited to " XXXX, '' " XXXX, '' " XXXX XXXX XXXX, '' and " XXXX. '' I have only used XXXX XXXX and on my birth certificate my mother included my maiden name ( XXXX XXXX XXXX ; however, I never use XXXX ). 

As far as addresses and phone number : Please retain only the following : Mailing Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX Office/Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX Number : XXXX ( which I have had for XXXX years ) Documentation : As required by law, I have included the following documentation : Proof of Identity : A government-issued ID, a XXXX XXXX  Statement of Account , and a XXXX XXXX XXXXXXXX Identity/Fraud Investigation letter . 

Copy of Identity Theft Report : XXXX XXXX XXXXXXXX Identity/Fraud Investigation results , police reports, and supporting documentation from XXXX XXXX XXXX FL, and XXXX XXXX XXXX TX. 

I request the immediate removal of the collection accounts and the blocking of all inaccurate information as specified, within the XXXX business days mandated by law. I appreciate your prompt attention to this matter and look forward to your confirmation of these actions. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX