Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1993 SS # : XXXX To Whom It May Concern, I trust this letter finds you well. I am writing to you in my capacity as a concerned consumer, seeking assistance in addressing a deeply distressing matter that has significantly impacted not only my financial well-being but also my emotional state. The purpose of this communication is to formally dispute multiple violations of consumer protection laws committed by various creditors, as detailed below. I respectfully urge you to enforce the legal rights that have been established to safeguard consumers like myself. 

In this regard, I wish to draw your attention to the following creditors, their respective account numbers, and the violations they have perpetrated : XXXX. XXXX XXXX ( Account Number : XXXX ) : Incorrect high balance ( FCRA Section 607 ( b ) ) Inaccurate date of last activity ( FCRA Section 611 ( a ) ( 4 ) ) Reaged accounts ( FCRA Section 605 ) Reinsertion without proper notice ( FCRA Section 611 ( a ) ( 5 ) ) Undated late pay ( FCRA Section 611 ( a ) ( 5 ) ) Charge off listed as open ( FCRA Section 611 ( a ) ( 5 ) ) Collection account with a limit ( FCRA Section 605 ) 2. XXXX XXXX ( Account Number : XXXX ) : Incorrect high balance ( FCRA Section 607 ( b ) ) Inaccurate date of last activity ( FCRA Section 611 ( a ) ( 4 ) ) Reaged accounts ( FCRA Section 605 ) Reinsertion without proper notice ( FCRA Section 611 ( a ) ( 5 ) ) Undated late pay ( FCRA Section 611 ( a ) ( 5 ) ) Charge off listed as open ( FCRA Section 611 ( a ) ( 5 ) ) Collection account with a limit ( FCRA Section 605 ) XXXX. XXXX ( Account Number : XXXX ) : Incorrect high balance ( FCRA Section 607 ( b ) ) Inaccurate date of last activity ( FCRA Section 611 ( a ) ( 4 ) ) Reaged accounts ( FCRA Section 605 ) Reinsertion without proper notice ( FCRA Section 611 ( a ) ( 5 ) ) Undated late pay ( FCRA Section 611 ( a ) ( 5 ) ) Charge off listed as open ( FCRA Section 611 ( a ) ( 5 ) ) Collection account with a limit ( FCRA Section 605 ) 4. XXXX  ( Account Number : XXXX ) : Potential billing errors and incorrect information ( TILA Section 1666d ) 5. XXXX XXXX ( Account XXXX : XXXX ) : Potential billing errors and incorrect information ( TILA Section 1666d ) XXXX. XXXX ( Account Number : XXXX ) : Incorrect high balance ( FCRA Section 607 ( b ) ) Inaccurate date of last activity ( FCRA Section 611 ( a ) ( 4 ) ) Reaged accounts ( FCRA Section 605 ) Reinsertion without proper notice ( FCRA Section 611 ( a ) ( 5 ) ) Undated late pay ( FCRA Section 611 ( a ) ( 5 ) ) Charge off listed as open ( FCRA Section 611 ( a ) ( 5 ) ) Collection account with a limit ( FCRA Section 605 ) 7. XXXX ( Account Number : XXXX ) : Incorrect high balance ( FCRA Section 607 ( b ) ) Inaccurate date of last activity ( FCRA Section 611 ( a ) ( 4 ) ) Reaged accounts ( FCRA Section 605 ) Reinsertion without proper notice ( FCRA Section 611 ( a ) ( 5 ) ) Undated late pay ( FCRA Section 611 ( a ) ( 5 ) ) Charge off listed as open ( FCRA Section 611 ( a ) ( 5 ) ) Collection account with a limit ( FCRA Section 605 ) 8. XXXX XXXX ( Account Number : XXXX ) : Incorrect high balance ( FCRA Section 607 ( b ) ) Inaccurate date of last activity ( FCRA Section 611 ( a ) ( 4 ) ) Reaged accounts ( FCRA Section 605 ) Reinsertion without proper notice ( FCRA Section 611 ( a ) ( 5 ) ) Undated late pay ( FCRA Section 611 ( a ) ( 5 ) ) Charge off listed as open ( FCRA Section 611 ( a ) ( 5 ) ) Collection account with a limit ( FCRA Section 605 ) 9. XXXX XXXX XXXX ( Account Number : XXXX ) : Incorrect high balance ( FCRA Section 607 ( b ) ) Inaccurate date of last activity ( FCRA Section 611 ( a ) ( 4 ) ) Reaged accounts ( FCRA Section 605 ) Reinsertion without proper notice ( FCRA Section 611 ( a ) ( 5 ) ) Undated late pay ( FCRA Section 611 ( a ) ( 5 ) ) Charge off listed as open ( FCRA Section 611 ( a ) ( 5 ) ) Collection account with a limit ( FCRA Section 605 ) The impact of these violations on my life can not be overstated. Financial stress has woven itself into every facet of my daily existence. The constant XXXX  and despair over the inaccuracies and mismanagement of my financial information have left me emotionally drained. I have worked tirelessly to meet my financial obligations, only to be unfairly burdened by these errors. The sleepless nights and overwhelming frustration have left scars that are not visible on paper but have deeply affected my health and overall well-being.

With all due respect, I implore you to take decisive action in upholding the legal rights that exist to shield consumers like me from such injustices. I kindly request that the aforementioned creditors be required to promptly conduct thorough investigations to verify the accuracy of the disputed information on my credit report. Moreover, I urgently appeal for the removal of these unverified accounts from my credit report to restore my financial standing and alleviate the emotional turmoil this situation has brought upon me. 

I deeply appreciate your attention to this matter and your commitment to preserving consumer rights. I anticipate a swift resolution that will not only help rectify my financial and emotional state but also reinforce my faith in the protections that the Consumer Financial Protection Bureau has been established to uphold. 

In conclusion, I humbly beseech you to use your authority to ensure that these violations are addressed and rectified. Your intervention will not only repair the damage done but will also pave the way for a more just and secure consumer environment. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief