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. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Rectifying FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing with urgency to address significant discrepancies recently discovered in my credit report, directly violating the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises substantial concerns about compliance with FCRA regulations within your agency. 

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

Instances of FCRA violations identified in my report 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 regarding employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after seven or ten years, contingent on bankruptcy.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 continual invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 

1. 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. 

2. 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. 

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

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

5. XXXXXXXX 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. 

6. XXXXXXXX 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. 

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

8. XXXX 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. 

9. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX I anticipate prompt action to rectify these violations within the specified timeframe outlined by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX