Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I am writing urgently to address critical discrepancies I have discovered in my credit report that starkly contradict the guidelines established by the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review, it is evident that multiple errors persist within my credit profile, indicating a significant failure in FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It emphasizes the need for accurate acquisition, retention, and disclosure of consumer credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my file 's information has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undoubtedly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, as evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

4.  The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

15. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX   Inquiries have reached the statute of limitation. 

16. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

17. XXXX XXXX XXXX  Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

18. XXXX Account Number  : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

19. XXXX XXXX Account Number  : XXXXXXXX  This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

20. XXXX XXXX XXXX  Account Number : XXXXXXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

21. XXXX  XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

22. XXXX XXXX  Account Number : XXXX  This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 


I anticipate swift action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX