Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE Account Inaccuracies, Violations of the Fair Credit Reporting Act ( FCRA ) and Demand for Immediate Deletion To Whom It May Concern : This letter serves as a formal notification of inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) regarding the following accounts listed on my credit report, and a demand for their immediate and permanent deletion. I am experiencing significant harm as a direct result of these inaccurate listings, including denial of credit and higher interest rates. 

Account Information Under Dispute : Please note the following account/s are inaccurate, and incomplete : * Account Name : DEPT OF ED/XXXX XXXX Account Number : XXXX * Account Name : DEPT OF ED/XXXX  * Account Number : XXXX * Account Name : DEPT OF ED/XXXX  * Account Number : XXXX * Account Name : DEPT OF ED/XXXX  * Account Number : XXXX * Account Name : DEPT OF ED/XXXX  * Account Number : XXXX * Account Name : XXXXXXXX XXXX XXXXXXXX * Account Number : XXXX * Account Name : XXXX XXXX XXXX Account Number : XXXX * Account Name : XXXX * Account Number : XXXX * Account Name : XXXX XXXX  * Account Number : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Account Name : XXXX  XXXX Account Number : XXXX * Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX * Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX GROUNDS FOR DISPUTE AND DEMAND FOR DELETION XXXX. Inaccurate Payment History and Incomplete Information ( Student Loans ) : The payment history reported for the student loans listed above is false, incomplete, and inaccurate. The information reported differs significantly from what is reported by TransUnion and Experian. This discrepancy creates a misleading and unfair representation of my creditworthiness. This is in direct violation of FCRA Section 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ], which requires furnishers to report accurate and complete information. The age of the alleged debts falls under 15 USC 1681c-2 for removal due to the age. 

XXXX. Failure to Conduct Reasonable Investigation : Your agency 's investigation of previous disputes regarding these accounts was inadequate and failed to comply with FCRA Section 611 [ 15 U.S.C. 1681i. Verifying the debt by simply contacting the furnisher and accepting their response is not a reasonable investigation. I request detailed documentation of the investigation process, including, but not limited to : * The method used to verify the disputed information. 
* Specific documents and evidence reviewed by the agency and the furnisher during the verification process. 
* The name and contact information of the individual ( XXXX ) at the furnisher who conducted the verification. 
* Provide the wet signature to prove the debt belongs to me. 

A mere itemization of charges is NOT sufficient verification that the debt is mine.I am requesting proof that I am legally obligated to pay this debt, which requires a copy of the original contract bearing my signature. 

XXXX. Identity Theft & Prior Settlements ( XXXX/Equifax Lawsuits XXXX : I am a victim of identity theft. Police report case number XXXX. Furthermore, I am a victim of the security and data breach by a major credit bureau, and also received a letter and was awarded money because of an action the CFPB took against XXXX XXXX and XXXX. 

I invoke my rights under 15 U.S.C. 1681c ( a ) ( 5 ), stating that " no consumer reporting agency may make any consumer report containing any of the following items of information ... Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

4. Negligence and Willful Non-Compliance : Your agency 's failure to conduct a reasonable investigation and correct these inaccuracies constitutes negligence and potentially willful non-compliance with the FCRA. This negligence has resulted in demonstrable harm, including denial of credit, higher interest rates, and emotional distress. 

DEMAND FOR IMMEDIATE ACTION I demand that you immediately investigate and permanently delete the inaccurate accounts listed above from my credit report within five ( 5 ) business days of the date of this letter. I also demand that you provide me with written confirmation of the deletion within the same timeframe.

CONSEQUENCES OF NON-COMPLIANCE Please be advised that if you fail to comply with my demands within the specified timeframe, I will be forced to pursue all available legal remedies, including but not limited to : * Filing a lawsuit against your agency for violations of the FCRA, seeking damages for actual losses, statutory damages, punitive damages, and attorney 's fees. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief