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. (DC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent : Correcting FCRA Violations in My Credit Report Dear Equifax, I am writing with urgency to address critical discrepancies discovered in my credit report that significantly violate the guidelines set forth in the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review, it has become apparent that multiple errors persist in my credit profile, indicating a substantial failure in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of consumer credit data, fostering 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. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if my file 's information has been used against me in credit applications or other transactions. 
The ability to 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Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).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 unquestionably 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, stemming from errors originating from your agency. 
XXXX. XXXX - XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX This account is not being reported properly on all three bureaus and not following F.C.R.A. This collection account doesn't belong to me. I believe this is a frequent account and demand to be removed from my credit report. 

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. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX I anticipate prompt 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 action to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX