Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to request your assistance in addressing several grave violations of consumer protection laws that have had a profound and detrimental impact on my life. I beseech the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf to enforce the legal provisions meant to safeguard consumers like myself. 

The following violations have occurred in connection with my credit reporting, which have severely impacted my financial well-being and personal life : XXXX. Unauthorized Credit Pulls : - Creditor : XXXX | Date : XX/XX/XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX XXXX | Date : XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX | Date : XX/XX/XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX XXXX | Date : XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX | Date : XX/XX/XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX | Date : XX/XX/XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX | Date : XX/XX/XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX XXXX XXXX | Date : XX/XX/XXXX | Violation : Unauthorized Credit Pull - Creditor : XXXX | Date : XX/XX/XXXX | Violation : Unauthorized Credit Pull XXXX. Unclear or Questionable Account Information : - Creditor : XXXXXXXX XXXX | Account Number : XXXX | Violation : Unclear Account Information - Creditor : XXXX XXXX | Account Number : XXXX | Violation : Unclear Account Information - Creditor : XXXX XXXX | Account Number : XXXX | Violation : Unclear Account Information - Creditor : XXXX | Account Number : XXXX | Violation : Unclear Account Information XXXX. Unverified Account Ownership : - Creditor : XXXX | Date : XX/XX/XXXX | Account Number : XXXX | Violation : Unverified Account Ownership - Creditor : XXXX | Account Number : XXXX | Violation : Unverified Account Ownership These violations have created a nightmarish situation in my life. The emotional toll and financial repercussions have been overwhelming. Let me share a deeply personal story to illustrate the gravity of this situation : I have always been a responsible individual, diligently managing my finances and striving to maintain a good credit history. However, the unauthorized credit pulls and the presence of unclear or unverified accounts on my credit report have rendered my financial efforts futile. 

Due to these inaccuracies and unauthorized inquiries, I was denied a mortgage loan when I attempted to purchase my first home. The dream of homeownership that I had nurtured for years was shattered in an instant. My family and I were forced to continue renting, draining our resources while missing out on the stability and security that comes with owning a home. 

Furthermore, the resulting damage to my credit score has led to higher interest rates on my credit cards, loans, and insurance premiums. These financial burdens have placed immense stress on my family and have made it challenging to provide for our basic needs. 

I implore the CFPB to take immediate action to enforce the legal rights meant to protect consumers from such unjust practices. Specifically, I request that you investigate and compel the removal of the aforementioned unverified accounts from my credit report. This action is crucial not only to rectify the damage to my credit history but also to restore my faith in the fairness and integrity of the financial system. 

I have attached supporting documents and records to substantiate my claims, and I am prepared to provide any additional information required to facilitate your investigation. 

I genuinely appreciate your attention to this matter and trust that the CFPB will take the necessary steps to ensure justice is served. My hope is that by addressing these violations, you will not only rectify my financial situation but also prevent others from enduring similar hardships in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation