Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I'm urgently reaching out to address significant discrepancies in my credit report that directly contradict the guidelines set by the Fair Credit Reporting Act ( FCRA ). It's concerning that multiple errors persist in my credit profile, signaling a notable oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection, reporting, and precision of consumer credit information. It emphasizes the accurate acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations observed include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed protocols for dispute resolution by agencies. 
Under the Fair Credit Reporting Act, I have specific rights : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information from my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after XXXXeven years, or ten in cases of bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has led to considerable distress, notably evident in my recent denial for extended credit due to errors originating from your agency. 

1. The following personal information is incorrect Account Number : Employers : XXXX 2. 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. 

3. The inquiry was not authorized XXXX 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. 

4. The inquiry was not authorized XXXX - XXXX SERVICE 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 CO 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 I have no recollection of authorizing this credit pull and I demand this to be removed. 

10. 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. 

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

12. 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. 

13. 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. 

14. 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. 

15. 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. 

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

17. XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

18. XXXX XXXX XXXX  Account Number : XXXX I was never late on this account. Please remove those late payments. 

19. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

20. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

21. 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. 

22. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

23. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

24. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

25. XXXX Account XXXX : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

26. XXXX XXXX XXXX  Account Number : XXXX I was never late on this account. Please remove those late payments. 

27. XXXX  XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

28. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 



I expect swift action to rectify these violations within the time frame 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 honored. 

Sincerely, XXXX XXXX