Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX  Dear Consumer Financial Protection Bureau, I am writing to urgently request your assistance in addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) by various creditors. These violations have had a profound and detrimental impact on my financial well-being and overall quality of life. The inaccuracies in my credit report, as well as the failure to investigate and remove unverified accounts, have created insurmountable challenges that I am struggling to overcome. 

Specifically, I have encountered the following violations : XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
XXXX XXXX XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
XXXX XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
XXXX XXXXXXXX XXXX  ( Account number : XXXX ) Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

Violation : Failure to investigate and remove inaccurate account ( FCRA Section 611 ). 
XXXX XXXXXXXX XXXX ( Account number : XXXX ) Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

Violation : Failure to investigate and remove inaccurate account ( FCRA Section 611 ). 
XXXXXXXX XXXX  XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
These violations have had a deeply emotional impact on my life. The inaccuracies have affected my ability to secure housing, obtain loans, and even pursue job opportunities. I vividly remember the heartache of being denied a mortgage due to the erroneous credit information, despite having a stable income and a strong history of responsible financial management. The frustration and humiliation of explaining these inaccuracies to potential employers, landlords, and lenders have taken an immeasurable toll on my self-esteem and well-being. 

The unverified accounts, specifically those reported by XXXX XXXXXXXX XXXX ( Account numbers : XXXX and XXXX ), have left me perplexed and helpless. I have diligently attempted to identify these accounts, but they remain foreign to me. The lack of resolution and the weight of these unverified entries continue to hang over me, causing immense distress. 

I implore you to enforce the legal protections granted by the FCRA and ensure that these creditors accurately update my credit information and conduct thorough investigations as required by the law. I am formally requesting that the unverified accounts mentioned above be promptly removed from my credit report, granting me the chance to rebuild my financial standing and reclaim my peace of mind. 

I deeply appreciate your attention to this matter and your dedication to safeguarding consumer rights. Your intervention would provide much-needed relief in a situation that has caused profound hardship. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief