Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) that have severely impacted my financial well-being and overall quality of life. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the ongoing issues with my credit report. 

I am a diligent consumer who takes financial responsibilities seriously. However, I have become a victim of inaccuracies and unverified information on my credit report, which has had a profound and deeply distressing impact on my life. The violations I wish to address, along with the corresponding FCRA sections, are as follows : XXXX XXXX : Account number : XXXX Violation : Failure to provide accurate and verifiable account information on the credit report. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( B ) XXXX : Account number : XXXX Violation : Reporting inaccurate payment history, damaging credit reputation. 
Relevant FCRA Section : FCRA 623 ( a ) ( 2 ) XXXX : Account number : XXXX Violation : Inclusion of unverifiable account on credit report. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX : Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violation : Reporting unrecognizable accounts without proper verification. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( B ) XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull without consent. 
Relevant FCRA Section : FCRA 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX : Account number : XXXX Violation : Inclusion of questionable and unverifiable account information. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( B ) XXXX : Account number : XXXX Violation : Inclusion of questionable and unverifiable account information. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( B ) XXXX : Account number : XXXX Violation : Inclusion of questionable and unverifiable account information. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address Violation : Inclusion of incorrect personal information on the credit report. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX MN XXXX : Account number : Address Violation : Inclusion of incorrect personal information on the credit report. 
Relevant FCRA Section : FCRA 611 ( a ) ( 1 ) ( A ) These violations have caused me immeasurable stress, XXXX, and anguish. Despite my best efforts to maintain a positive credit history, these inaccuracies have affected my ability to secure reasonable loans, interest rates, and even housing options. I have been denied opportunities that I rightfully deserve due to no fault of my own. 

Allow me to share a personal account to illustrate the devastating consequences these inaccuracies have had on my life. [ Share a detailed and emotional personal story, including any specific instances where the inaccuracies directly impacted your ability to achieve a goal, obtain financing, or secure a necessary service. ] In light of these circumstances, I implore the Consumer Financial Protection Bureau to take swift action to enforce my legal rights under the FCRA. I request that the concerned creditors be directed to remove the unverified accounts from my credit report immediately. I believe in the importance of maintaining accurate and fair credit reporting, and I trust that your intervention will lead to a just resolution. 

I thank you for your attention to this matter and for your dedication to upholding consumer rights. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation