Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Dear Bureau, I am writing to inform you of an issue regarding improper use of my credit report. Attached to my SSN, it appears that XXXX, Equifax, and XXXX have violated the FCRA by including inaccurate information. Upon reviewing the credit report, I found numerous discrepancies, including incorrect addresses and accounts for which I never provided written permission. As instructed on your website, I've enclosed documentation proving my identity. 
Under the FCRA, only accurate information should be included in a consumer 's credit report. However, the information provided by XXXX, Equifax, and XXXX is not accurate. I have consulted with legal counsel, and I am prepared to take this matter to court if necessary. 
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit report. Additionally, I request that all personal information associated with my account be replaced with the details of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, IL XXXX. 
Below are the accounts that need to be removed : To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and unauthorized accounts from my credit report. Additionally, I request that all personal information associated with my account be replaced with the details of XXXX XXXX XXXX, as provided below : XXXX. XXXX XXXX XXXX - Account Number : XXXX - {$11000.00} - Date Opened : XX/XX/XXXX ( XXXX ) XXXX. XXXX XXXX - Account Number : XXXX - {$540.00} - Date Opened : XX/XX/XXXX ( XXXX ) XXXX. XXXX XXXX XXXX - Account Number : XXXX - {$630.00} - Date Opened : XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - {$460.00} - Date Opened : XX/XX/XXXX ( XXXX ) XXXX. XXXX Department of Education - Account Number : XXXX - {$3500.00} - Date Opened : XX/XX/XXXX ( XXXX ) XXXX. XXXX Department of Education - Account Number : XXXX - {$4500.00} - Date Opened : XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXX ACCOUNT NUMBER {$580.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} IF THESE FRAUDULENT , INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. 
Additionally, I request that the following accounts be added to my credit report under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C.

1681 section 604 A Section 2 : Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!! 
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

31. XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C.

1681 section 604 A Section 2 : Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!! 
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 
I expect an updated copy of my consumer report reflecting these changes promptly.