Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to request the removal of inaccurate information from my credit report as allowed under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ).

Upon reviewing my recent credit report, I have discovered several inaccuracies that are affecting my creditworthiness and financial standing. The FCRA mandates that consumer reporting agencies provide accurate and up-to-date information, and my credit report must reflect this requirement.

Under 15 US Code 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my credit report violate this provision, and I am requesting immediate correction.

15 US Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Furthermore, under 15 US Code 1681i ( 5 ), I can dispute inaccurate information directly with the consumer reporting agency.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I am formally disputing the following inaccuracies in my credit report : 1. Please Remove the following inaccurate Personal Information : XXXX XXXX XXXX XXXX, Texas XXXX ( the personal information is incorrect- please remove this from my credit report immediately ) XXXX XXXX XXXX XXXX Texas XXXX ( the personal information is incorrect- please remove this from my credit report immediately ) Phone numbers ( XXXX ) ( the personal information is incorrect- please remove this from my credit report immediately ) Employment : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( the personal information is incorrect- please remove this from my credit report immediately ) Personal Statement : Remove fraud alert or update phone number XXXX must be removed I didn't authorize a reporting of this personal info! 


Please investigate these discrepancies promptly and remove any inaccurate information from my credit report in accordance with the law. Please provide me with a written confirmation once the corrections have been made. 
Please send me a copy of the updated credit report reflecting the changes made. I appreciate your prompt attention to this matter in compliance with the FCRA. 
Thank you for your cooperation in resolving this issue. If you require any further information from me, please do not hesitate to contact me through mail. 


Sincerely, XXXX XXXX XXXX