Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX West XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Formal Dispute of Inaccurate Information on my Credit Report Account Number : XXXX Dear Sir/Madame, I hope this letter finds you well. I am writing to formally dispute several inaccuracies present on my credit report, which I believe are in violation of various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( XXXX ). 



Violation of FCRA - Inaccurate Account Reporting Under the FCRA, I have the right to receive accurate and up-to-date information on my credit report. However, the account number XXXX has never been paid late to the best of my knowledge, and your reporting inaccurately suggests otherwise. This erroneous information is causing significant harm to my creditworthiness, and I demand immediate correction and deletion of this inaccurate data from my credit report. 



Violation of FCRA - Incorrect Personal Information The inclusion of the name " XXXX XXXX '' in my credit report is in direct violation of the FCRA. This alias is not associated with my identity, and I request its immediate removal to ensure the accuracy of my credit file. 



Violation of FCRA - Incorrect Previous Address The reporting of the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, as a previous address on my credit report is a breach of the FCRA. I have never resided at this address, and I insist on its immediate deletion from my credit history. 



Violation of FCRA - Incorrect Previous Address Similarly, the inclusion of the address XXXX XXXX XXXX XXXX, NEW YORK, NY XXXX, as a previous address is inaccurate and must be removed promptly from my credit report. 



Violation of FCRA - Incorrect Employer Information The mention of " XXXX XXXX XXXX '' and " XXXX '' as my employers on my credit report is a violation of the FCRA. These employers are not associated with me, and I demand their immediate removal from my credit history. 



Violation of FCRA - Unauthorized Credit Inquiry The credit inquiry from XXXX XXXX NA on XX/XX/XXXX is not authorized by me, violating the FCRA. I have no recollection of granting permission for this inquiry, and I demand its prompt removal from my credit report. 



Violation of FDCPA - XXXX XXXX XXXX The inaccurate and misleading credit reporting practices violate the FDCPA, which aims to protect consumers from unfair debt collection practices. The inaccurate reporting is negatively impacting my credit score and financial reputation, and I request that these violations be remedied immediately. 



Violation of XXXX - Failure to Provide Accurate Information Under XXXX, credit reporting agencies are required to provide consumers with accurate and complete credit reports. The presence of inaccurate personal information and account details on my credit report constitutes a violation of this law. 



Violation of TILA - Failure to Provide Accurate Account Information The reporting of the account number XXXX with incorrect payment status violates the TILA, which mandates that creditors furnish accurate account information to credit reporting agencies. 



Violation of RESPA - Failure to Correct Errors The inclusion of incorrect addresses on my credit report violates RESPA, as credit reporting agencies are required to correct errors promptly upon notification. 



Violation of XXXX - Discrimination in XXXX XXXX The reporting of false employers on my credit report violates the XXXX, which prohibits discrimination based on employment information. 



Violation of XXXX - Billing Error Dispute The unauthorized credit inquiry from XXXX XXXX NA amounts to a billing error under the XXXX, and I demand its immediate resolution. 



I hereby request a comprehensive investigation into these disputed items in compliance with the FCRA. Please conduct a thorough review of the provided information and promptly correct any inaccuracies or violations found. I also request that you notify all relevant parties, including creditors and other credit reporting agencies, of the changes made to my credit report. 



Enclosed with this letter are copies of supporting documents, including proof of my correct address and employment. I expect to receive a written response within the time frame stipulated by the FCRA, confirming the resolution of these disputes. 



Your immediate attention to this matter is vital, as the accuracy of my credit report significantly impacts my financial opportunities and overall well-being. Failure to address these violations within the required time frame will leave me with no choice but to seek legal remedies to protect my rights as a consumer. 



Please respond to this dispute at your earliest convenience via mail or email at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your cooperation, and I look forward to a swift resolution. 



Sincerely, XXXX XXXX