Consumer complaint received 2024-03-05
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, TX XXXX SSN : XXXX XXXX : XX/XX/year> To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX My rights as a consumer are being violated since the information in this credit report is not accurate. The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. If these standards are not followed, it jeopardizes the integrity of the data. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. 
Personal Information for Equifax NAME : XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me so it can help with future transactions. If you can delete any names in your system that don't match XXXX XXXX that would be great. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. Your system must remove any address that does not match the one listed on this letter. 
XXXX XXXX XXXX Equifax XXXX XXXX -- XXXX XXXX XXXXXXXX XXXX {$32000.00} XXXX fixed immediately, or else legal action will ensue. 
U S DEPT OF EDXXXX Equifax Description : Individual Account # : Account Type : Closed Date : Creditor Remarks : Date Opened : Date of Last Activity : High Balance : Last Verified : Account Account Status : Account Rating : CollectionOrChargeOff Credit Limit : XXXX- Creditor Type : Finance Date Reported : XXXX Dispute Status : N Last Payment : -- Past Due Amount : -- Payment Frequency : -- Term Length : 1 This information is not accurate and does not meet the minimum standards for compliance. I demand that this be Open Balance Owed : {$32000.00} Payment Amount : Payment Status : -- CollectionOrChargeOff Loan Type : XXXX Account # : Account Rating : Account Type : Closed Date : Creditor Remarks : Date Opened : Equifax XXXX AsAgreed Open -- FIXED RATE XXXX Account Description : Balance Owed : Credit Limit : Creditor Type : Date Reported : Equifax Individual {$11000.00} -- Government XXXX Account Status : Open Page 1 of 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SSN : XXXX XXXX : XX/XX/year> Date of Last Activity : High Balance : Last Verified : Payment Status : Loan Type : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Account # : Account Rating : Account Type : Closed Date : Creditor Remarks : Date Opened : Date of Last Activity : High Balance : Last Verified : Payment Amount : Payment Status : Loan Type : Account Account Status : Open XXXX {$9900.00} XXXX AsAgreed Educational Dispute Status : N Past Due Amount : -- Payment Amount : -- The information above was never certified to meet any reporting standards. The data is incomplete, unsupported, and may be inaccurate. I demand that this information be deleted. 
U S DEPT OF EDXXXX Equifax XXXX XXXX XXXX XXXX FIXED RATE XXXX XXXX {$8300.00} XXXX -- AsAgreed Educational Equifax Description : Individual Payment Frequency : -- Term Length : 1 Balance Owed : {$9900.00} Credit Limit : -- Creditor Type : Government Dispute Status : N Last Payment : -- Past Due Amount : -- Payment Frequency : -- Term Length : 1 The information you provided is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. 
U S DEPT OF EDXXXX Account # : Account Rating : Closed Date : Creditor Remarks : Date Opened : Date of Last Activity : High Balance : Account Account Status : Open Equifax XXXX AsAgreed -- FIXED RATE XXXX XXXX {$4900.00} Equifax Description : Individual Last Payment : -- Date Reported : XXXX Account Type : Open {$5700.00} Credit Limit : -- Balance Owed : Creditor Type : Government Date Reported : XXXX Dispute Status : N Last Payment : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Last Verified : Payment Amount : Payment Status : Loan Type : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AsAgreed Educational Past Due Amount : -- Payment Frequency : -- Term Length : 1 I insist that you update your information immediately, as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately, legal action may be necessary. Inaccurate data has no place in your records or on my credit report, so please erase it immediately. 
U S DEPT OF EDXXXX Account # : Account Rating : Account Type : Closed Date : Date Opened : Date of Last Activity : High Balance : Last Verified : Payment Amount : Loan Type : Account Balance Owed : {$5500.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX -- Educational Equifax Description : Individual The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Faithfully The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, TX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Account Status : Open Credit Limit : -- Creditor Remarks : FIXED RATE Government Date Reported : XXXX Creditor Type : Dispute Status : N Last Payment : -- Past Due Amount : -- Payment Frequency : -- Payment Status : AsAgreed Term LengthXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX