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

Subject : Immediate Attention Required : Rectifying FCRA Violations in My Credit Report Dear Equifax, I am writing with urgency to address critical discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review of my credit profile, it is evident that multiple errors persist, signifying a significant oversight of FCRA regulations 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 a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Neglect of prescribed protocols for handling disputes by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if information in my file has been used against me in credit applications or other transactions. 
Dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data.

Request the removal of outdated negative information, typically after seven years or ten in cases of bankruptcy.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 significantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably impacting my recent credit denial due to errors originating from your agency. 

XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

I anticipate prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply will unfortunately necessitate my pursuit of legal measures to uphold my rights under the FCRA. 

Sincerely, XXXX XXXX