Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I am writing to address certain discrepancies I recently discovered upon reviewing my credit report, which I obtained on XXXX. It has come to my attention that there are concerning inaccuracies present, and I wish to bring them to your immediate attention, emphasizing the crucial role that your agency plays in ensuring fair and accurate reporting. 

As stated in Section 15 U.S.C. 1681s-2 of the FCRA, it is important that consumer reporting agencies, such as yours, engage in thorough investigations when individuals, like myself, raise concerns regarding the accuracy of information contained within their credit reports. Should the information provided be found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it is your agency 's job to promptly delete the accounts. Additionally, as stated in 15 U.S.C. 6802, consumers maintain the right to privacy concerning disclosing their personal information. I did not provide authorization for the furnishing of the accounts listed below, nor was I presented with clear and conspicuous disclosures to opt-out.

As a consumer, I entrust your agency to uphold these privacy standards diligently. The accounts listed below are indicative of identity theft, as they have been furnished to my credit profile without my consent, thereby constituting a violation of 18 U.S.C. 1028A. I need your agency to take immediate action to fix this matter and protect my personal information from further misuse. In light of this case of identity theft, it is important that your agency promptly block and delete the associated information from my credit report, as stated in 15 U.S.C. 1681c-2. 

XXXX XXXX : ** XXXX. **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX **Dispute Reason : ** Requesting thorough investigation and correction of discrepancies in credit report under Section 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Asserting rights to privacy and opt-out provisions under 15 U.S.C. 6802. Alleging identity theft and unauthorized furnishing of accounts, constituting a violation of 18 U.S.C. 1028A. Urgently demanding deletion and blocking of associated information per 15 U.S.C. 1681c-2 to remedy identity theft situation. 

XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXXXXXX XXXX XXXX XXXX Requesting thorough investigation and correction of discrepancies in credit report under Section 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Asserting rights to privacy and opt-out provisions under 15 U.S.C. 6802. Alleging identity theft and unauthorized furnishing of accounts, constituting a violation of 18 U.S.C. 1028A. Urgently demanding deletion and blocking of associated information per 15 U.S.C. 1681c-2 to remedy identity theft situation. 

XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX **Dispute Reason : ** Requesting thorough investigation and correction of discrepancies in credit report under Section 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Asserting rights to privacy and opt-out provisions under 15 U.S.C. 6802. Alleging identity theft and unauthorized furnishing of accounts, constituting a violation of 18 U.S.C. 1028A. Urgently demanding deletion and blocking of associated information per 15 U.S.C. 1681c-2 to remedy identity theft situation. 


I appreciate your prompt attention to this matter and anticipate swift action in resolving these discrepancies. Thank you for your cooperation.