Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a final dispute with the Consumer Financial Protection Bureau XXXX CFPB ) regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by various creditors. I kindly request the CFPB 's assistance in enforcing my legal rights in this matter and seek redress for the profound impact these violations have had on my life. 

Account Information and Violations : XXXX XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Please remove it from my credit report. Account type information needs to be resolved. 

XXXX & XXXX & XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX XXXX  XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Please remove it from my credit report. Account type information needs to be resolved. 

These creditors have not only reported inaccurate account information but have also failed to verify and rectify these discrepancies, causing immense distress and harm to my financial well-being and personal life. 

Allow me to share the emotional toll these inaccuracies have taken on my life. As a single parent supporting two children, my creditworthiness is critical for our financial stability. The inaccuracies on my credit report have impeded my ability to secure affordable housing, obtain reasonable interest rates on loans, and even find stable employment.

I vividly remember the day when my application for a much-needed apartment was denied due to these erroneous entries on my credit report. My children and I were left without a home, and the uncertainty and anxiety we experienced were indescribable. This injustice has not only affected our housing but has also caused severe emotional distress, sleepless nights, and strained relationships.

Furthermore, the inflated interest rates on loans I was forced to accept due to my tarnished credit have placed an overwhelming burden on my finances, making it a daily struggle to make ends meet. 

In light of these distressing circumstances and the violations of the FCRA and FDCPA, I respectfully request the following : Enforce my legal rights under the FCRA and FDCPA. 
Initiate an investigation into the actions of the aforementioned creditors. 
Require the immediate removal of these unverified and inaccurate accounts from my credit report, as mandated by law. 
I trust that the CFPB will act diligently and swiftly to address these violations and provide the justice and resolution I seek. Your intervention is not only crucial for my family 's financial stability but also for restoring our peace of mind. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation