Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Equifax, XXXX, and XXXX, I hope this letter finds you well. 

My name is XXXX XXXX, and I am writing to bring to your attention fraudulent information on my credit reports. 
UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies. 

1st you need to Update my personal Information and Remove Fraudulent Addresses : 3 rd you need to Update My ONLY Name to XXXX XXXX And REMOVE all other names from my report. XXXX XXXX XXXX XXXX XXXX XXXX th you need to Remove The Fraudulent accounts that at are in violation of the Fair Credit Reporting act ( Section 605, B, A, and 609 a 1, 1681d : XXXX XXXX XXXX XXXXXXXX identity theft Fraudulent Account and incorrect balances reporting on different Bureaus or XXXX XXXX  {$30000.00} XX/XX/XXXX 5 th You are to update the payment History XXXX XXXX and XXXX Payments were paid on time and information needs to be accurately reported to be in accordance with the FCRA XXXX Account is paid in full and payment history need to reflect. {$220000.00} XX/XX/XXXX XXXX th you are to Remove Unauthorized Inquiries 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 Equifax 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 Equifax Please See : XXXX Appropriate proof of identity. ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer. ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth. ( 2 ) Additional proof of identity. Copies of government issued identification documents, utility bills, and/or other methods of authentication of a person 's identity which may include, but would not be limited to, answering questions to which only the consumer might be expected to know the answer. I kindly request a thorough investigation into these matters and the prompt removal of the aforementioned fraudulent information from my credit reports. I appreciate your attention to this matter and thank you for your cooperation. 

Sincerely, XXXX XXXX