Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I am writing to formally dispute the inaccuracies present in my credit report. Despite having submitted the necessary documents, including my identification ( ID ), Social Security Number ( SSN ), and a recent bill verifying my current address, the errors in my report have not been corrected. Additionally, I have made several attempts to contact you by phone and sent certified letters, but the errors in my report remain unresolved. 
Key Points of the Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) Compliance : Under Section 609 ( a ) ( 1 ) of the FCRA, I have the right to request the correction of any errors on my credit report. I have provided all necessary documentation, including copies of my ID, SSN, and a recent bill that verifies my current address. However, XXXX has failed to adequately correct this information. This non-compliance is a direct violation of my rights under the FCRA. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Violation : Under the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful to maintain incorrect information on my credit report without verifying its accuracy. This situation represents a violation of the FDCPA, as the persistent errors have not been corrected, which is negatively impacting my credit report. 
XXXX. Violation Under XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) : According to the XXXX XXXX XXXXXXXX XXXX XXXX, particularly Sections XXXX to XXXX, XXXX is required to ensure that my credit report is accurate and truthful. My rights as a New York consumer have been violated by the failure to correct errors in my report after I submitted the necessary documentation. This failure to act represents a breach of state law. 
XXXX. Request for Compensation for Damages : Due to the failure to correct the inaccuracies in my credit report and the ongoing damage caused to my financial and personal well-being, I am requesting compensation for the damages caused by this situation. The continued presence of inaccurate information has affected my ability to obtain credit at fair terms, caused emotional distress, and has negatively impacted my financial well-being. Therefore, I am requesting a compensation of {$1000.00} for the economic and emotional distress this issue has caused me. 
XXXX. Legal Action in Case of Non-Compliance : If XXXX does not correct this information within the XXXX period prescribed by the FCRA, XXXX will take immediate legal action to seek compensation for the damages I have suffered. This compensation will include a lawsuit for emotional distress and the economic effects this incorrect information continues to have on my life. I will also file a complaint with the CFPB ( Consumer Financial Protection Bureau ) and the appropriate New York authorities to enforce my rights. 

Hard Inquiries I am writing to formally dispute the following unauthorized hard inquiries listed on my credit report, which I believe were made without my consent or were inaccurately reported. I am requesting that these inquiries be immediately deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX and Section XXXX, as well as relevant XXXX XXXX XXXXXXXX laws. 
Below are the inquiries I am disputing : XXXX. XXXX - Date of Inquiry : XX/XX/year> XXXX. XXXX - Date of XXXX : XX/XX/year> XXXX. XXXX DC XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX - Date of XXXX : XX/XX/year> XXXX. XXXX - Date of Inquiry : XX/XX/year> XXXX. FCRA Section XXXX : This section of the Fair Credit Reporting Act stipulates that any credit inquiry must be authorized by the consumer before it is made. If these inquiries were not authorized by me, they are in violation of the FCRA and must be deleted. The inquiries listed above were made without my explicit consent, and therefore, they do not meet the requirements for valid inquiries. 
XXXX. FCRA Section XXXX : Under this section, if information on a credit report can not be verified as accurate within XXXX  days, it must be deleted. These inquiries are in dispute, and if the entities that placed them can not provide sufficient evidence that I authorized them, they must be immediately removed from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This law mandates that credit reports contain only accurate, verified information. Any inquiries that are not properly authorized or fail verification must be removed from the report under this statute. 
XXXX. FCRA Section XXXX ( a ) : This section ensures that any inquiry made more than XXXX years ago and is still reported must be deleted if it has not been verified. Since some of these inquiries are older than XXXX years, they must be removed under this provision. 

Collection : Dispute of Collection Account XXXX  # XXXX Dear [ Credit Bureau XXXX : TransUnion/Experian/Equifax XXXX, I am writing to dispute a collection account reported by XXXX  ( Account Number : # XXXX ) on my credit report. This collection account is inaccurate and not verified, and I request its immediate removal from my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXXXXXX laws. 
Details of the Collection Account : Reporting Agency : XXXX  Account Number : # XXXX ) Reason for Dispute : This collection account is inaccurately reported on my credit file, and I believe it is either invalid, unverified, or otherwise not substantiated. I am requesting immediate removal of this item from my credit report. This is my legal right under the Fair Credit Reporting Act ( FCRA ) and applicable XXXX XXXX  XXXX consumer protection laws. 
XXXX. Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) : Under the FCRA, any information reported to the credit bureaus must be accurate and verifiable. If a disputed item can not be verified within a reasonable time ( typically 30 days ), it must be removed from the credit report. I demand that XXXX provide full validation of the debt within XXXX  days. If they can not verify this debt, this collection must be deleted immediately. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX. XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX that all information reported to credit agencies must be truthful and accurate. If the information related to this collection account is incorrect, unverified, or fraudulent, it must be deleted. As a New York consumer, I have the right to dispute any erroneous information, and XXXX must provide sufficient evidence if the debt is legitimate. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Section 809 : Under the FDCPA, I have the right to request validation of any debt reported. If the collection agency can not provide proper documentation or validation within XXXX  days of this dispute, they are legally obligated to remove the collection from my credit report. I request that XXXX provide full validation of this debt, including the original creditor, the amount owed, and any relevant documentation supporting their claim. 
XXXX. XXXX XXXX XXXX Identity Theft Law ( XXXX. XXXX XXXX XXXX ) : If this debt is a result of identity theft or fraud, XXXX XXXX XXXX law requires the immediate removal of fraudulent information from the credit report. If XXXX XXXX XXXX can not validate this debt or if it is proven to be fraudulent, the account must be deleted without delay Charge off : XXXX. Subject Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) : Under the FCRA, any information reported to the credit bureaus must be accurate and verifiable. If a disputed item can not be verified within a reasonable time ( typically XXXX  days ), it must be removed from the credit report. I demand that XXXX provide full validation of the debt within XXXX  days. If they can not verify this debt, this collection must be deleted immediately. 
XXXX. New York XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX. XXXX XXXX ) : New York XXXX XXXX XXXX that all information reported to credit agencies must be truthful and accurate. If the information related to this collection account is incorrect, unverified, or fraudulent, it must be deleted. As a New York consumer, I have the right to dispute any erroneous information, and XXXX must provide sufficient evidence if the debt is legitimate. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Section XXXX : Under the FDCPA, I have the right to request validation of any debt reported. If the collection agency can not provide proper documentation or validation within XXXX  days of this dispute, they are legally obligated to remove the collection from my credit report. I request that XXXX provide full validation of this debt, including the original creditor, the amount owed, and any relevant documentation supporting their claim. 
XXXX. New York State Identity Theft Law ( XXXX. XXXX XXXX XXXX ) : If this debt is a result of identity theft or fraud, New York XXXX law requires the immediate removal of fraudulent information from the credit report. If XXXX can not validate this debt or if it is proven to be fraudulent, the account must be deleted without delay. 
Dispute Reason : This charge-off account has not been properly validated, and as a consumer, I am requesting that it be removed from my credit report. I demand that this account be deleted as it has been incorrectly reported. 
XXXX. Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) : The FCRA requires that all information reported must be accurate and verifiable. If a debt is disputed and can not be verified within 30 days, it must be removed. I demand that XXXX provide complete validation of the debt within this timeframe. If they can not validate it, they are required to remove it from my credit report. 
XXXX. New York XXXX XXXX XXXX XXXX XXXX XXXX : New XXXX Consumer Protection Law mandates that all information reported on credit reports must be accurate and verified. If XXXX can not provide verification of this debt, they must remove the collection account from my credit report

Company response to consumer: Closed with non-monetary relief