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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to seek your urgent intervention in a matter of grave concern that pertains to multiple violations of the Fair Credit Reporting Act ( FCRA ) by several creditors. These violations have had a profound impact on my life, affecting not only my financial well-being but also taking an emotional toll on myself and my family. 

1. Incorrect Personal Information ( Name and Date of Birth ) : Violation : FCRA Section 1681e ( b ) Explanation : The creditors have reported inaccurate personal information, including my name and date of birth. This misinformation could lead to incorrect financial decisions, causing substantial distress and confusion.

2. Account Involvement and Reporting Violations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Violations : FCRA Section 1681c ( a ) : The creditors inaccurately reported account information involving litigation. 
FCRA Section 1681e ( b ) : They reaged accounts and reinserted negative information without proper notice. 
FCRA Section 1681i : They failed to conduct proper investigations into my disputes. 
FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) : They failed to provide accurate information to the credit reporting agencies.

FCRA Section 1681s-2 ( b ) : They failed to maintain reasonable procedures to ensure the accuracy of the information.

3. Account Involvement and Reporting Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Violations : FCRA Section 1681c ( a ) : The creditors inaccurately reported account information involving litigation.

FCRA Section 1681e ( b ) : They reaged accounts and reinserted negative information without proper notice.

FCRA Section 1681i : They failed to conduct proper investigations into my disputes.

FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) : They failed to provide accurate information to the credit reporting agencies. 
FCRA Section 1681s-2 ( b ) : They failed to maintain reasonable procedures to ensure the accuracy of the information. 

The impact of these violations on my life has been profound and distressing. Let me share a deeply personal story to illustrate the emotional turmoil these inaccuracies have caused. 

I vividly recall the heartache of explaining to my children why we couldn't move into the house we had hoped for. The denial for a home loan due to these inaccuracies shattered our dreams of providing stability for our family. It was not just a financial setback ; it was a blow to our hopes and aspirations. Seeing the disappointment in my children 's eyes was heart-wrenching, and I carry that burden with me every day. 

The emotional toll has been overwhelming. It has strained my relationships, impacted my mental health, and cast a shadow over our family 's future. I am not just fighting for financial justice ; I am fighting for the well-being of my loved ones. 

In light of the aforementioned violations, I respectfully request that the creditors promptly remove the unverified accounts from my credit report. These entries have been the source of significant hardship for me and my family. I implore the Consumer Financial Protection Bureau to take immediate action to enforce the legal rights provided by the FCRA. Your intervention would not only restore justice in my case but would also reaffirm the importance of fair and accurate credit reporting practices. 

I appreciate your attention to this matter and your commitment to ensuring fair treatment for consumers. I eagerly await your response and trust in the Consumer Financial Protection Bureau 's dedication to upholding the principles of justice and fairness in consumer finance. 

Please feel free to contact me at XXXX XXXX XXXX for any further information or clarification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief