Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that the following violations have occurred, and I kindly request the CFPB 's assistance in ensuring that my legal rights are upheld. 

XXXX. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor XXXX XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 2. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX XXXX  Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 3. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 4. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX  Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 5. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX  Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 6. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX  Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 7. Unauthorized Inquiry : Creditor : CERTIFIED Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 8. Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 9. Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 10. Unauthorized Inquiry : Creditor : CERTIFIED Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 These violations have significantly impacted my life and well-being. Allow me to share a deeply personal story illustrating the emotional toll that these errors have taken : Several years ago, I embarked on a journey to secure a brighter financial future for my family. I saved diligently, sacrificed countless luxuries, and worked tirelessly to build a solid credit history. My motivation stemmed from a vivid memory of my parents ' struggle to secure a home loan due to inaccuracies on their credit report. Witnessing their hardships ignited a determination within me to break the cycle of financial instability. 

With great effort, I managed to improve my credit standing over time. However, the erroneous information currently marring my credit report threatens to undermine all my hard work. The inaccuracies introduced by the listed creditors have led to denials for essential credit opportunities, including a home mortgage and a student loan for my child 's education. The emotional burden of feeling helpless, despite my best efforts, is indescribable. 

I respectfully request that the CFPB take immediate action to enforce my legal rights and rectify these violations. The Fair Credit Reporting Act ( FCRA ) mandates the accuracy and integrity of consumer credit information, and my situation highlights a clear failure to comply with these essential provisions. I implore the CFPB to work diligently to ensure that these unverified accounts are promptly removed from my credit report. 

Your intervention will not only rectify my personal financial challenges but also set a precedent for upholding the rights of countless consumers facing similar struggles. I believe that with your assistance, justice will be served, and I will be able to secure the stable future I have worked so hard to achieve. 

I appreciate your attention to this matter and am available for any additional information or documentation that may be required. 

Thank you for your dedication to protecting consumer rights and ensuring fair practices within the financial industry. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation