Consumer complaint received 2023-08-31
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, Arizona XXXX Date of Birth : XX/XX/1996 SS # : XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) that I have experienced due to inaccurate and unverified credit reporting practices by XXXX XXXX XXXX and other creditors. I respectfully request your assistance in enforcing my legal rights and rectifying this situation. The violations I will outline have profoundly impacted my life, affecting my financial well-being and my family 's quality of life. 

Violation of Section 611 : Procedure in Case of Disputed Accuracy ( 15 USC 1681i ) Account Number : XXXX Creditor : XXXX XXXX XXXX Violation : XXXX XXXX XXXX has failed to respond adequately to my dispute regarding the accuracy of the reported item on my credit report, as required by Section 611 of the FCRA. 
Violation of Section 623 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies ( 15 USC 1681s-2 ) Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not verified the accuracy of the reported item and has not taken corrective action after being notified of the inaccuracy, as mandated by Section 623 of the FCRA.

Violation of Section 611 and Section 623 : In addition to the aforementioned violations, I have encountered challenges with multiple accounts that have not been accurately reported by various creditors. These violations have caused significant distress and hardship for me and my family. 

Due to the unverified account associated with Account Number : XXXX from XXXX XXXX XXXX, I have been unable to secure favorable interest rates for loans, which has hindered my financial stability. Moreover, this unjust reporting has prevented me from accessing suitable housing options for my family. The resulting compromised living conditions have negatively impacted my children 's growth, education, and overall quality of life. 

The emotional distress and financial setbacks caused by these inaccurate reporting practices are immeasurable. Each day, I am reminded of the detrimental impact on my dreams of financial security and stability. I believe that no consumer should endure such hardships due to the negligence of creditors. 

In light of the violations outlined above, I urgently request the Consumer Financial Protection Bureau to exercise its authority and enforce my rights under the FCRA. Specifically, I implore you to take the necessary steps to ensure the removal of the unverified account associated with Account Number : XXXX from XXXX XXXX XXXX on my credit report. Additionally, I request that you address the violations associated with the other accounts as detailed above. 

I kindly ask for your prompt attention to this matter, considering the grave impact it has had on my life. Your intervention will not only provide me with the relief I desperately seek but will also serve as a beacon of hope for countless individuals facing similar circumstances. 

Thank you for your understanding, compassion, and dedication to upholding the rights of consumers. Your assistance is deeply appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation