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. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Rectifying FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm writing urgently to address critical inconsistencies discovered in my credit report that significantly breach the Fair Credit Reporting Act ( FCRA ). These persistent errors point to a substantial oversight of FCRA guidelines within your agency. 

To clarify : The FCRA serves as a pivotal federal statute governing the precise collection, reporting, and transparent sharing of consumer credit information. 

Instances of FCRA violations observed include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' data due to name or social security number similarities. 
Neglecting prescribed protocols for handling disputes within agencies. 
As per the Fair Credit Reporting Act, I am entitled to specific rights : Verification of my report 's accuracy, particularly crucial for employment purposes. 
Notification in case my file 's information has been used against me in credit applications or other transactions. 
The right to dispute and request removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information according to the specified time frames ( seven years or ten in bankruptcy cases ). 
I formally request the immediate removal of the listed items below. These items unequivocally violate FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has led to significant distress, clearly evidenced in my recent denial for extended credit due to errors originating from your agency. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

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

XXXX. XXXX 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. 

XXXX. This account is not reported consistently on all three bureaus only Equifax is showing this account. The account is list as collection account but still showing 120 days payment history without prior 30 and 60 days late. 
XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. Validate Account XXXX 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. 

XXXX. This account is not reported consistently on all three credit bureaus. Only XXXX report this account. I don't own this account. I never received any pertinent paperwork informing me of this debt. 
XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 



I trust prompt action will rectify these violations within the stipulated time frame set by the FCRA. Failing to comply will regrettably leave me with no option but to pursue legal measures to ensure my rights under the FCRA are respected. 

Sincerely, XXXX XXXX