Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Subject : Dispute of Inaccurate Collection Accounts on My Equifax Credit Report Dear Equifax, I am writing to formally dispute several collection accounts that are inaccurately appearing on my credit report. These accounts do not belong to me, and I believe their inclusion on my credit file is an error. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to request an immediate investigation and removal of these erroneous accounts from my credit report. 

Disputed Accounts : Creditor Name : XXXX XXXX XXXX - {$790.00} Creditor Name : XXXX XXXX, XXXX - {$100.00} Creditor Name : XXXXXXXX XXXX XXXX  - {$340.00} Creditor Name : XXXXXXXX XXXX XXXX  - {$100.00} These collection accounts are not mine, and I have never had any association with these creditors. The inclusion of these accounts is causing harm to my credit score and financial reputation, and they must be corrected as required by law. 

FCRA Rights and Obligations : 15 U.S.C. 1681i Dispute Resolution Process : I am disputing the accuracy of these collection accounts in accordance with the FCRA. I request that Equifax initiate an investigation to verify the legitimacy of these accounts. If they can not be verified, they must be deleted from my credit report. 

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : The FCRA requires credit reporting agencies to maintain maximum possible accuracy in the information they report. The presence of inaccurate collection accounts violates this provision, and I demand their immediate removal to ensure the accuracy of my credit file. 

15 U.S.C. 1681c Limitations on Reporting : According to the FCRA, consumer reporting agencies must remove obsolete or unverifiable information from credit reports. Since these collection accounts are neither accurate nor verifiable, they must be deleted in compliance with this law. 

Actions Requested : Immediate investigation into the accuracy of the disputed collection accounts. 
Verification of the accuracy and legitimacy of the accounts. If they can not be verified, they must be deleted. 

Written confirmation of the results of your investigation and an updated copy of my credit report showing the removal of these incorrect accounts. 

Supporting Documentation : To assist in your investigation, I have enclosed the following : A copy of my credit report with the disputed collection accounts highlighted. 
A copy of my government-issued ID for verification of my correct identity. 

Please ensure this dispute is resolved within the 30-day investigation period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to address this issue may result in further actions, including formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my credit report has been corrected. 

Sincerely, XXXX XXXX