Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im filling this complaint in regards to my consumer rights being violated by each bureau Dear Equifax In order to formally alert you to certain errors I found in my credit report, I am writing to you. After carefully reviewing the report that I received from your organization, I have discovered a number of inaccurate accounts that require quick review and correction. It is necessary to rectify the following false accounts in particular : Accounts : XXXX : XXXX, The account is inaccurate and not consistent with the other accounts from the other bureaus. Please investigate and delete the item. XXXX  XXXX : XXXX, This account date is inaccurate is not matching the data with the other bureaus. Please remove this from my report. XXXX : XXXX, This inaccurate account has Data that is not consistent with the other two credit bureaus. Looking for a deletion correction. 

XXXX : XXXX, It appears that the account has different information from the other two bureaus which is inaccurate? Who has the correct information? Delete the issue presented. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : XXXX, The law says the account listed here is supposed to be reported 100 % accurate. Why is it different on each credit bureau? Need you to investigate and delete. 

Knowing the Fair Credit Reporting Act ( FCRA ) inside and out, I am a consumer using my rights under Sections 609 and 611 to dispute these inconsistencies and ask that they be fixed.

I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there could be a detrimental effect on my well-established reputation for upholding perfect financial standing.

My urgency in this matter is increased by the realization that these mistakes may affect how prospective creditors view me. Because of this, the challenges I may encounter when applying for credit emphasize how critical it is that you take prompt action to correct the errors on my credit report. 

According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. My deepest wish is that this matter will be settled quickly, removing the unnecessary mistakes that have surfaced on my credit report. 

Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Please do not hesitate to contact me if you need any additional information or clarification. I appreciate your time and anticipated cooperation in advance. 


With deference. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX I'm writing to formally draw your attention to some errors I found in my credit report. After carefully going over the report I received from your organization, I have found a number of inaccurate accounts that need to be reviewed and corrected right away. It is necessary to rectify the following false accounts in particular : Accounts : XXXX : XXXX, The account is inaccurate and not consistent with the other accounts from the other bureaus. Please investigate and delete the item. XXXX  XXXX : XXXX, This account date is inaccurate is not matching the data with the other bureaus. Please remove this from my report. XXXX  : XXXX, Account in question is inaccurate and it has different information than the other credit bureaus. Fix or delete my issue account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Im disputing this account, because the information on the report is wrong because the other two bureaus are showing something different. Delete the inaccurate item. XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) : XXXX, The account data is confusing because the data is inconsistent with the data from the other bureaus. I need this deleted ASAP. XXXX ( Original Creditor : XXXX XXXX XXXX  ) : XXXX, The law says the account listed here is supposed to be reported 100 % accurate. Why is it different on each credit bureau? Need you to investigate and delete. 

XXXX : XXXX, XXXX disputing this account because I need you to comply with the law and make sure its reporting 100 % accurate as of now, it appears to be different on the other bureaus. I need a resolution and a deletion. 

I'm using my rights under Sections 609 and 611 as a consumer who is aware of the Fair Credit Reporting Act ( FCRA ) to dispute these inconsistencies and ask that they be fixed. 

These disparities could negatively impact my credit score, which is why I'm very concerned and distressed about finding them. It is concerning and unsettling to consider the possible harm to my well-established reputation for upholding a spotless financial situation. 

My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Because of this, the challenges I may encounter when applying for credit emphasize how critical it is that you take prompt action to correct the errors on my credit report. 

In compliance with FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 


Dear XXXX I'm writing to formally alert you to some errors I found in my credit report. After carefully reviewing the report that I received from your organization, I have discovered a number of inaccurate accounts that require quick review and correction. It is specifically necessary to address the incorrect accounts listed below : Accounts : XXXX : XXXX, The account is inaccurate and not consistent with the other accounts from the other bureaus. Please investigate and delete the item. XXXX  XXXX : XXXX, This account date is inaccurate is not matching the data with the other bureaus. Please remove this from my report. XXXX  : XXXX, Account in question is inaccurate and it has different information than the other credit bureaus. Fix or delete my issue account. 

XXXX XXXX XXXX XXXX XXXXXXXX, It appears that the data in this account is not reporting correctly because it shows different on the other two credit bureaus. Resolve it or delete this item. XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) : XXXX, The account data is confusing because the data is inconsistent with the data from the other bureaus. I need this deleted ASAP. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX The law says the account listed here is supposed to be reported 100 % accurate. Why is it different on each credit bureau? Need you to investigate and delete. 

XXXX : XXXX, Im disputing this account because I need you to comply with the law and make sure its reporting 100 % accurate as of now, it appears to be different on the other bureaus. I need a resolution and a deletion. 

Knowing the Fair Credit Reporting Act ( FCRA ) inside and out, I am a consumer using my rights under Sections 609 and 611 to dispute these inconsistencies and ask that they be fixed. 

These disparities could negatively impact my credit score, which is why I'm very concerned and distressed about finding them. It is concerning and unsettling to consider the possible harm to my well-established reputation for upholding a spotless financial situation. 

I'm even more urgent about this because I know that these mistakes could affect how prospective creditors view me. Because of this, it may be harder for me to get credit, which emphasizes how urgent it is that you correct the errors on my credit report.

In compliance with FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 

Finally, I would like to express my gratitude for your prompt attention to this important issue and my expectation that it will be resolved quickly. Please don't hesitate to get in touch with me if you need any more details or explanation. I appreciate your time and anticipated assistance in advance. 


With deference.

Company response to consumer: Closed with non-monetary relief