Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I am writing to urgently address critical discrepancies found in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile has raised serious concerns regarding the adherence to FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my file information has been used adversely in credit applications or transactions. 
Dispute and demand correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after seven or ten years, depending on bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably leading to my recent denial of extended credit due to errors originating from your agency. 

1. 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. 

2. 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. 

3. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

4. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

5. XXXX XXXXXXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 




I anticipate prompt action to rectify these violations within the FCRA 's specified timeframe. Failure to comply will unfortunately compel me to pursue legal action to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX