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

Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing with urgency regarding critical discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). After a meticulous review of my credit profile, it has become evident that multiple errors persist, indicating an oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. Its primary goal is to ensure the accurate acquisition, retention, and disclosure of a consumer 's credit data, fostering transparency in information sharing. 

Instances of FCRA violations in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Neglect of prescribed protocols for handling disputes by agencies. 
Under the Fair Credit Reporting Act, I retain the right to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if information in my file has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information, typically after seven or ten years, depending on bankruptcy status. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, notably affecting my recent credit denial resulting from errors originating from your agency. 

1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

15. The following account is not mine XXXX XXXX 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. 

16. The following account is not mine XXXXXXXX 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. 

17. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 18. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 19. The following personal information is incorrect 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. 

20. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

21. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

I trust that you will take swift action to rectify these violations within the FCRA-mandated timeframe. However, failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX