Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Subject : Dispute and Request for Deletion of Incorrect Addresses Due to Data Breach Dear Equifax, I am writing to formally dispute the inclusion of incorrect addresses on my Equifax credit report. These addresses are not associated with me and appear to have been added as a result of the recent national data breach that compromised personal information. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that you delete these erroneous addresses from my credit file. 

Disputed Addresses : Address XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX : XXXX XXXX WAY APXXXX XXXX XXXX, CA XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Additional Address : Also, my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is does not have an apartment number. It is a house. Please remove the apartment number.

These addresses are incorrect, and their presence on my credit report may suggest unauthorized activity or identity theft. I have never resided at nor been associated with these addresses, and their inclusion on my report is adversely affecting the accuracy of my personal information.

FCRA Rights and Obligations : 15 U.S.C. 1681i Dispute Resolution Process : Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report. I am requesting that you immediately investigate these disputed addresses and delete them from my credit file if they can not be verified as accurate.

15 U.S.C. 1681e ( b ) Accuracy of Information : Credit reporting agencies are obligated to ensure that all information in consumer reports is accurate and up-to-date. The inclusion of incorrect addresses due to a data breach violates this provision, and I demand that Equifax fulfill its legal duty to correct these inaccuracies.

15 U.S.C. 1681c Limitations on Reporting : Under this section, consumer reporting agencies are required to remove inaccurate, obsolete, or unverifiable information from a consumers credit report. As these addresses can not be legitimately linked to me, they must be removed from my credit file without delay.

Request for Action : Immediate Investigation of the addresses I have disputed in accordance with the requirements of 15 U.S.C. 1681i.

Deletion of all incorrect addresses from my credit report if they can not be verified as associated with my identity.

Written confirmation of the actions taken by Equifax to correct these inaccuracies.

Please complete your investigation and delete these inaccurate addresses within 30 days, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon completion of the investigation, I request that you send me an updated copy of my credit report reflecting the corrections.

Failure to resolve this matter promptly may result in the filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I trust that you will take the appropriate steps to ensure the accuracy of my credit file. 

Sincerely, XXXX XXXX