Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act - Section 15 U.S.C. 1681b Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, as authorized by the Fair Credit Reporting Act ( FCRA ) under Section 15 U.S.C. 1681b. After thoroughly reviewing my credit report, obtained from your agency, I have identified certain discrepancies that require immediate attention and correction.

Please find below the details of the disputed information : Explanation of Dispute : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal prosecutor consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions to the accounts listed IMMEDIATELY!

Furthermore, I am enclosing copies of relevant supporting documents, including but not limited to receipts, statements, or other evidence that substantiate my claim. I kindly request that you investigate this matter promptly, as the incorrect information on my credit report negatively impacts my creditworthiness and financial well-being.

According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice. I expect you to contact the creditor in question and verify the inaccuracies as part of your investigation. Once complete, I request that you provide me with a written response detailing the results of your investigation, including any changes or updates made to my credit report as a result.

In accordance with the FCRA, I also request that you inform all parties who received my credit report within the past six months of the dispute and provide them with the corrected information. 

I appreciate your attention to this matter and your compliance with the FCRA. Please consider this letter as an official notice and be aware that I will not hesitate to take further legal action if my rights under the statute are not properly upheld. 

I look forward to your prompt resolution of this dispute and the subsequent correction of my credit report. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX