Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX Hunters XXXX XXXX, Georgia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm reaching out urgently regarding concerning inconsistencies I've discovered in my credit report, significantly violating the Fair Credit Reporting Act ( FCRA ). The persistence of these inaccuracies within my credit profile underscores a substantial oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates accurate data collection, retention, and equitable sharing of consumer credit data while emphasizing transparent interactions with consumers. 

Instances of FCRA violations in my case include : Inaccurate financial data provided by creditors to reporting agencies. 

Agencies merging individuals ' data due to name or social security number similarities. 

Neglect of prescribed dispute resolution protocols. 
Under the Fair Credit Reporting Act, I maintain specific rights : The right to verify report accuracy, particularly for employment purposes. 

Notification if my file information has been used in credit applications or other transactions against me. 

The ability to dispute and request correction or removal of incomplete, erroneous, or unverifiable data from bureaus. 

The removal of outdated negative information, typically after XXXX years, or XXXX in bankruptcy cases. 
I formally request immediate rectification of the listed items below. These items significantly contravene FCRA standards due to inaccuracies, lack of verifiability, and continuous invalidation. Their presence has led to substantial distress, notably evidenced by my recent denial of extended credit directly linked to errors originating from your agency. 

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

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
MARIETTAAU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX