Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AZ
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 XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/1995 Dear CFPB, I am writing to bring to your attention several violations of federal credit reporting laws and regulations that have profoundly affected my life and financial well-being. I kindly request your intervention and enforcement of my legal rights in this matter. 

Violation 1 : Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) Violation of Fair Credit Reporting Act ( FCRA ) : Section 1681s-2 : Responsibilities of furnishers of credit information. 
The reported payment status, balance, comments, payment history, and even the account number maXXXX be incorrect, in direct contravention of the FCRA. This misinformation has hindered my ability to secure loans, obtain reasonable interest rates, and pursue financial opportunities necessary for my family 's well-being. 
Violation XXXX : Duplicate Reporting - XXXXXXXX XXXX  ( Account Number : XXXX ) Violation of FCRA : Section 1681s-2 : Responsibilities of furnishers of credit information. 
XXXXXXXX XXXX has inexplicably listed the same account number multiple times on my credit report, potentially violating FCRA guidelines. This not only raises concerns about the accuracy of the reported information but also creates confusion and further hampers my financial stability. 
Violation 3 : Failure to Correct Inaccuracies - XXXX XXXX ( Account Number : XXXX ) Violation of FCRA : Section 1681i : Procedures for handling disputes and correcting inaccuracies on credit reports. 
Despite my diligent efforts to rectify the inaccuracies on my credit report, XXXX XXXX has failed to correct the information they reported, directly violating the FCRA. This act of non-compliance has left me in a constant state of distress. 
I implore the CFPB to understand the personal toll these violations have taken on my life. The impact is not merely financial ; it extends to my ability to provide a stable and secure future for my family. I have endured countless sleepless nights, endless stress, and the emotional burden of not being able to achieve my financial goals due to these violations. 

The uncertainty and hardship I face have strained my relationships, affected my mental health, and led to moments of despair. The weight of these inaccuracies on my credit report feels unbearable, and I am reaching out to you, the CFPB, as my last hope for justice. 

I beseech the CFPB to enforce the legal rights and protections afforded to consumers like me under the Fair Credit Reporting Act ( FCRA ) and related regulations. I respectfully request that you investigate these violations promptly and take the necessary actions to compel the creditors in question to : Remove the unverified accounts from my credit report. 
Correct any inaccuracies and ensure the accurate reporting of my credit information. 
Provide evidence of their compliance with the FCRA and related laws. 
I thank you for your attention to this matter and your dedication to ensuring fairness in the consumer credit reporting system. I eagerly await your response and hope that it brings the resolution I so desperately need to rebuild my life and secure a brighter future for my family. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief