Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute multiple inaccuracies in my credit report, which have been identified as errors. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am entitled to an investigation into this information, and I request that the following items be removed immediately. Additionally, I would like to request verification of this information under FCRA Section 623, and if unverifiable, the items must be deleted under FCRA Section 1681i ( a ) ( 5 ).

I am also requesting that these items be evaluated using the Metro 2 Compliance Guidelines to ensure that the information reported adheres to industry-standard data furnishing rules.

Below is the detailed list of the incorrect information and my requested actions : Equifax Disputes : 1. Incorrect Personal Information : Account Number : XXXX XXXX XXXX XXXX Information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Action Requested : Remove all inaccurate name variations from my report under FCRA Section 611, as they do not belong to me. 
XXXX. Incorrect Previous Addresses : Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX, and others. 
XXXX Requested : Remove these incorrect previous addresses as they are unrelated to me. Per FCRA Section 609, credit bureaus must ensure accuracy, and these addresses violate my right to accurate information. 
XXXX. Unauthorized Inquiries : Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Action Requested : Remove these inquiries under FCRA Section 1681b. These inquiries were not authorized, and therefore should be deleted. 
XXXX. Incorrect Account Information : XXXX XXXX XXXX XXXX XXXX Account XXXX ) ** XXXX XXXX XXXX ( Account XXXX ) ** XXXX XXXX XXXX XXXX Account XXXX ) ** Action Requested : Under 15 USC 1681i ( a ) ( 5 ), I request that these accounts be validated. If unverifiable, they must be deleted immediately from my credit report. 
XXXX. Validate and Remove Inaccurate Accounts : Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX, and several others ( full list in original dispute ) Action Requested : Validate each account listed and remove if they can not be verified. This request is made under FCRA Section 611.

XXXX  Disputes : 1. Incorrect Personal Information : Account Number : Former Name Variations ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  ) Action Requested : Remove all inaccurate former names and aliases per FCRA Section 611 and Metro 2 Compliance. 
XXXX. Incorrect Previous Addresses : Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX Action Requested : Remove this address from my file under FCRA Section 609, as it is not related to me. 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested : Remove these unauthorized inquiries under FCRA Section 1681b. I did not authorize these, and they are a violation of my consumer rights. 
XXXX. Incorrect Account Information : XXXX XXXX XXXX XXXX  ( Account XXXX ) ** XXXX XXXX XXXX ( Account XXXX ) ** XXXX XXXX XXXX XXXX Account XXXX ) ** Action Requested : Immediately validate these accounts under FCRA Section 623 and delete if unverifiable under FCRA Section 1681i ( a ) ( 5 ). 
XXXX. Validate and Remove Inaccurate Accounts : Several accounts, including XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and others. 
XXXXction Requested : Validate and remove these accounts if they can not be verified, under FCRA Section 611 and Metro 2 Compliance.

XXXX Disputes : 1. Incorrect Personal Information : Account Number : Former Name Variations ( XXXX, XXXX, XXXX XXXX  ) Action Requested : Remove all inaccurate personal information under FCRA Section 611. 
XXXX. Incorrect Previous Addresses : Address : XXXX XXXX XXXX, XXXX XXXX, AR XXXX, and others. 
Action Requested : Remove incorrect addresses under FCRA Section 609. 
XXXX. Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Requested : Remove these unauthorized inquiries immediately under FCRA Section 1681b as I did not authorize them. 
XXXX. Incorrect Account Information : XXXX XXXX XXXX XXXX  ( Account XXXX ) ** XXXX XXXX XXXX ( Account XXXX ) ** XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Action Requested : Verify and remove these accounts under FCRA Section 1681i ( a ) ( 5 ) and FCRA Section 623. If unverifiable, they must be deleted immediately. 
XXXX. Validate and Remove Inaccurate Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and others. 
Action Requested : Validate and remove these accounts if unverifiable, as required by FCRA Section 611.

Metro 2 Compliance Requirements : All credit bureaus and furnishers of information are required to follow Metro 2 guidelines, which ensure the accuracy, completeness, and standardization of reporting consumer information. Failure to follow Metro 2 guidelines results in inaccuracies in my credit report, violating FCRA Section 607. I request that all disputed items be reviewed under Metro 2 compliance, and inaccuracies be corrected or removed as per FCRA Section 1681i ( a ) ( 5 ).

Conclusion : Please investigate the above items as required by the FCRA, specifically sections 611, 607, and 623, and remove or correct these inaccurate and unverifiable items from my credit report. I expect an updated copy of my credit report reflecting the requested changes after your investigation is complete.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day window provided by the FCRA.