Consumer complaint received 2023-08-02
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. (CA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX Equifax : Re : Pre-Arbitration Demand Discrepancies in Credit Reporting of [ Creditor Name ] Account Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention some serious discrepancies in the reporting of an account listed on my credit report. The information reported by Equifax, as well as other credit bureaus, regarding the XXXX XXXX account is inconsistent and appears to be the result of identity theft. I am attaching two exhibits to support my claim and have also submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

I request immediate investigation and resolution of the following discrepancies related to the XXXX XXXX account : Inconsistent Account Open Dates : The credit reports from all three major credit bureaus ( Equifax, XXXX, and XXXX ) show different account open dates for the XXXX XXXX account. On my Equifax report, the open date is listed as XX/XX/2023, while on XXXX and XXXX reports, the open dates are shown as XX/XX/2023 and XX/XX/2023, respectively. This inconsistency raises serious concerns about the accuracy and legitimacy of the reported account. 
1. Identity Theft Report to FTC : On XX/XX/2023, I filed an Identity Theft Report with the FTC XXXX, providing all relevant details about the fraudulent activities related to the XXXX XXXX XXXX XXXX account. The FTC has acknowledged my report and is actively investigating the matter. I expect Equifax to cooperate fully with the FTC and provide any necessary assistance in their investigation. 
Exhibits : Exhibit A : Equifax Credit Report showing XXXX XXXX account details and discrepancies 1. Exhibit B : Identity Theft Report filed with the FTC I demand that Equifax takes the following actions immediately : Conduct a thorough investigation into the discrepancies surrounding the XXXX XXXX account and update the information on my credit report accordingly, consistent with the findings of the investigation.

1. Remove any negative remarks or notations related to the disputed account while the investigation is ongoing.

2. Provide me with a detailed written explanation of the results of the investigation once it is completed.

3. Coordinate with the other two major credit bureaus, XXXX and XXXX, to ensure that the information regarding the XXXX XXXX account is consistent and accurate across all reports. 
Failure to comply with this pre-arbitration demand within 30 days of your receipt of this letter will leave me with no choice but to pursue legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Please be aware that such legal action may result in Equifax being liable for statutory damages, actual damages, attorney fees, and costs. 
I expect prompt attention to this matter and request written confirmation of your receipt of this letter and your acknowledgment of the ongoing investigation. You may reach me at XXXX for any communications related to this dispute. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX