Consumer complaint received 2023-12-20 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: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Immediate Rectification of FCRA Violations in Credit Report Dear Equifax, I am writing with urgency to address critical inconsistencies within my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit profile contains persistent errors, reflecting a substantial oversight of FCRA guidelines within your agency. 

To clarify : The FCRA stands as a crucial federal statute governing the precise XXXX XXXX XXXX XXXX sharing of consumer credit information. 

Instances of FCRA violations include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' data due to similarities in XXXX  or XXXX XXXX XXXX 
Neglect of prescribed protocols for handling disputes by XXXX. 
Under the Fair Credit Reporting Act, I possess specific rights : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information from my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information as per the specified time frames ( XXXX years or XXXX in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credit due to errors originating from XXXX  XXXX. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX XXXX XXXX XXXXr : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX  XXXX  XXXX  : XXXX       Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 


I expect swift action to rectify these violations within the FCRA 's mandated time frame. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief