Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Dispute of Inaccurate Information on Credit Report Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute and request correction of errors contained within my credit report, as provided by XXXX. Upon reviewing my credit report, I have identified several inaccuracies that are adversely affecting my credit standing. These errors pertain to the following accounts XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX The reason for disputing these accounts is that the information being reported violates the Fair Credit Reporting Act ( FCRA ). Specifically, the information is incomplete and inaccurate, which is detrimental to my creditworthiness and financial well-being. The inaccuracies I have identified include : Incorrect amounts : The reported balances do not accurately reflect the true balances of the accounts. 
Incorrect dates accounts were opened : The reported opening dates of the accounts are inaccurate. 
Incorrect type of account : The reported account types do not match the actual types of accounts. 
Unrecognized inquiries : There are inquiries on my credit report that I do not recognize and did not authorize. 
Late Payments : These errors have not only impacted my ability to access credit but have also caused undue stress and financial harm. 
Therefore, I request that XXXX conducts a thorough investigation into these disputed items as required by the FCRA, specifically Section 611. As per FCRA guidelines, I request that XXXX : Conducts a reasonable investigation into the accuracy of the disputed information. 
Corrects or removes any inaccuracies found during the investigation. 
Provides me with written confirmation of the actions taken to rectify the errors. 
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

These errors pertain to the following accounts : XXXX XXXX XXXX  Credit Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S.C. 1681e ( b ) ).

According to 15 U.S.C. 1681i ( 5 ), after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Furthermore, under 15 U.S.C. 1681s-2, 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. 

Additionally, according to 15 U.S.C. 1681B ( 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. 

Under 15 U.S.C. 1666b - Timing of Payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

If such documents are not provided within 30 days I shall seek arbitration, I request the immediate removal of these false accounts from my consumer credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation