Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB :XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance that has profoundly affected my life. My objective in reaching out to the Consumer Financial Protection Bureau is to seek redress and enforcement of the legal provisions aimed at safeguarding consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ).

Violations and Account Details : FCRA Section 1681e and 1681i : The creditors, XXXX XXXX  XXXX, have failed to maintain accurate information on my credit report for the following accounts : a. Account Number : XXXX - Violations of FCRA Sections 1681e and 1681i : Despite numerous disputes, XXXX XXXX  XXXX has not rectified the inaccuracies on this account, which is in clear violation of FCRA Sections 1681e and 1681i. 

b. Account Number : XXXX - Violations of FCRA Sections 1681e and 1681i : The same inaccuracies persist on this account, and no updates have been made, also in violation of FCRA Sections 1681e and 1681i.

FDCPA Section 1692e : XXXX XXXX  XXXX has misrepresented the status and payment history of the accounts in question, further affecting my credit report : a. Account Number : XXXX - Violations of FDCPA Section 1692e : XXXX XXXX  XXXX 's misrepresentations directly contravene the FDCPA 's Section 1692e. 

b. Account Number : XXXX - Violations of FDCPA Section 1692e : The misreporting of payment history is also a violation of FDCPA Section 1692e for this account.

CFPA Section 1036 : The misreporting and failure to update accurate information on my credit reports have had a detrimental impact on my financial well-being, which aligns with the intent of CFPA Section 1036, aimed at preventing unfair and deceptive practices.

Personal Impact : Allow me to share a deeply personal story of how these credit reporting errors have adversely affected my life. Over the past several years, I have strived diligently to maintain a strong credit profile to secure a stable future for my family. My credit score is not just a number ; it represents my dreams and aspirations.

The inaccuracies reported by XXXX XXXX  XXXX have resulted in a series of unfortunate events. Due to the erroneous late payments listed on my credit report, my credit score plummeted significantly. As a direct consequence, I have been denied opportunities to secure affordable loans for my child 's education and to purchase a home in a safe neighborhood suitable for my family. 

Moreover, these errors have imposed emotional distress on me, leading to sleepless nights and XXXX about my family 's financial security. My creditworthiness has been unfairly tarnished by these violations, jeopardizing my ability to provide a stable and secure future for my loved ones. 

Request for Resolution : In light of the aforementioned violations and their profound impact on my life, I kindly request the Consumer Financial Protection Bureau to enforce legal actions against XXXX XXXX  XXXX and compel them to rectify the inaccuracies on my credit report immediately. Specifically, I implore that they remove these unverified accounts from my credit report without delay to restore the accuracy and integrity of my credit history. 

I believe that the CFPB 's intervention can help me regain the financial stability I have strived so hard to achieve and protect the dreams and future of my family. 

Thank you for your attention to this matter, and I am hopeful for a just and timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief