Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Subject : Urgent : Addressing FCRA Violations in My Credit Report Dear EQUIFAX, I am writing urgently to highlight critical discrepancies in my credit report that directly infringe upon the regulations outlined in the Fair Credit Reporting Act ( FCRA ) within your agency. 

The FCRA stands as a foundational federal statute governing the collection and reporting of consumer credit information, emphasizing meticulous data handling, retention, and transparent disclosure. 

The observed FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Failure to adhere to prescribed dispute resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my information is used in credit applications or transactions against my interest. 
Dispute and request correction or removal of incomplete or erroneous data. 
Have outdated negative information removed in accordance with FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused considerable distress and directly contributed to my recent credit denial due to errors in your agency 's records. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX  XXXX. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/2023 have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/2023 have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX  Date of inquiry : XX/XX/2023 have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. I never late on this account XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

8. This account had been closed and paid in full. However this account is showing that I have 30 day late 1 time ( s ). However. I was never late on this account as I always have been in the past XXXX years. In addition the creditor has agreed to remove the 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. I never late on this account XXXX XXXX XXXXXXXX : XXXX I was never late on this account. Please remove those late payments. 

XXXX. I never late on this account XXXX  XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

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

XXXX. I never late on this account XXXXXXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. I never late on this account XXXXXXXX XXXX XXXX  Account Number : XXXX I was never late on this account. Please remove those late payments. 


I expect prompt and thorough action to rectify these violations within the FCRA stipulated timeframe. Failing to address these issues will compel me to explore further measures, potentially including legal actions, to safeguard my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX