Consumer complaint received 2025-02-24 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:
This account is inaccurate and false. 
Account opened XX/XX/XXXX Amount- {$450.00} correspondence has been sent to Credit unions and capital XXXX dates are listed above. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I requested copies of the application or identification that was received to process application, I have not received anything. 


I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 

Here are the specific items in contention : XXXX. XXXX XXXX XXXX. 
XXXX. 

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 

In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 

Thank you in advance for your immediate attention to this matter. 


I trust this letter finds you well. I am writing to bring to your attention certain inconsistencies that have appeared on my credit report, which, to my belief, are having a negative impact on my credit score. This, in turn, is leading to elevated interest rates that significantly increase my financial burden. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand it is my right to challenge incorrect information on my credit report and your responsibility to verify the accuracy of these details upon dispute. 

Below are the items on my credit report that I dispute for their accuracy : XXXX. XXXX XXXX XXXX. 
XXXX. 

I kindly request you to conduct an investigation into these disputed items as required by FCRA 611 ( 15 U.S.C. 1681i ). Once the investigation is complete, could you please provide me with the results, and if any changes have been made, an updated copy of my credit report? I would prefer the communication be sent via postal mail. 

I appreciate your prompt attention to this matter. By ensuring the accuracy and validity of my credit report, we can maintain the integrity of the credit reporting system that affects many aspects of our daily lives. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief