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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I am writing with utmost urgency regarding critical discrepancies present in my credit report that flagrantly violate the guidelines established by the Fair Credit Reporting Act ( FCRA ). My credit profile continues to exhibit multiple errors, indicating a concerning failure to adhere to FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a crucial federal statute governing the collection and reporting of consumer credit information. Its mandate emphasizes the accurate acquisition, retention, and transparent dissemination of a consumer 's credit data. 

Instances of FCRA violations within my report include : Inaccurate financial data provided by creditors to reporting agencies. 

Agencies merging individuals ' information based on similarities in names or social security numbers. 

Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 

Receive notification if information in my file has been used against me in credit applications or other transactions. 

Dispute and demand the removal of incomplete, erroneous, or unverifiable data. 

Have outdated negative information removed ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused significant distress, notably resulting in my recent denial for extended credit due to errors originating from your agency. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. XXXX XXXX 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. 

3. XXXX XXXX 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. 

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

6. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX This is not my name. Delete it immediately from my report. 

7. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



I expect prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX