Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 

The disputed items on my credit report include the following : XXXX : XXXX. The following account is not mine XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following account is not mine XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The account was set up for auto pay however the balance exceeded the auto pay amount and resulted in a partially paid amount. I immediately paid off the balance due when I discovered that. This is the only time my payment was late. 
XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX : XXXX. The following account is not mine XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following account is not mine XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The account was set up for auto pay however the balance exceeded the auto pay amount and resulted in a partially paid amount. I immediately paid off the balance due when I discovered that. This is the only time my payment was late. 
XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Equifax : XXXX. The following account is not mine XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The account was set up for auto pay however the balance exceeded the auto pay amount and resulted in a partially paid amount. I immediately paid off the balance due when I discovered that. This is the only time my payment was late. 
XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

I have made two attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies. 

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.