Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute inaccuracies in my credit report maintained by equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous attempts to have these inaccuracies corrected there has been no satisfactory resolution. This letter serves as a formal demand for the immediate correction of these errors. 

The inaccuracies in my credit report are as follows : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. My date of birth is XX/XX/1991. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My only employer is XXXXXXXX XXXX XXXX, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXXXXXX XXXX XXXX, NY XXXX. Thank you. 

Under the FCRA, specifically sections 1681i and 1681a, I am entitled to dispute any information in my credit report that I believe to be inaccurate, incomplete, or unverifiable. It is your obligation to conduct a prompt investigation, within 30 days of receiving this notice, to determine whether the disputed information is inaccurate and, if so, to correct or delete it from my file. 

Furthermore, given that this constitutes my 2nd attempt to rectify these inaccuracies without resolution, I am prepared to take further legal action should these inaccuracies not be corrected as required by law. This includes, but is not limited to, seeking civil remedies under sections 1681n and 1681o of the FCRA for willful and negligent noncompliance, respectively.

Additionally, I remind you of your obligations under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, regarding the disclosure of my personal information, and demand strict compliance with all relevant provisions, particularly given the sensitive nature of this dispute.

Please find enclosed copies of documents supporting my position and previous correspondence related to this matter. I expect to receive a written response from you within 30 days of your receipt of this letter, confirming the specific actions you have taken to correct the inaccuracies in my credit report.