Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AR
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 XXXXXXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XX/XX/XXXX  Equifax Information Services , XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request to Enforce Legal Compliance and Remove Unverified Accounts Dear Equifax Information Services , LLC , I hope this letter finds you well. I am writing to express my deep concern and frustration regarding several inaccuracies on my credit report, as reported by your agency. These inaccuracies are not only impacting my financial well-being but have also had a profound and distressing effect on my personal life. 

For too long, I have been grappling with the burden of these discrepancies, which are a direct result of violations committed by certain creditors. The violations I wish to bring to your attention include : Violation : Potential violation of the FCRA, Section 623 ( a ) ( 2 ). 
Late Payments : Several creditors, including XXXX ( # XXXX ), XXXX BANK XXXX XXXX # XXXX ), XXXX  ( # XXXX ), XXXX XXXX XXXX ( # XXXX ), XXXX  ( # XXXX ), XXXX XXXX ( # XXXX XXXX, XXXX XXXX  ( # XXXX ), XXXX ( # XXXX ), and XXXX XXXX ( # XXXX ), have consistently reported late payments on my credit report. These inaccuracies have caused my credit score to plummet and have made it extremely challenging for me to secure favorable lending terms. 

Violation : Potential violation of the FCRA, Section 623 ( a ) ( 5 ) and Section 611 ( a ) ( 5 ) ( A ). 
Charge Off : XXXX ( # XXXX ) and XXXX  ( # XXXX ) have erroneously marked accounts as " charged off. '' This has not only damaged my credit profile but has also resulted in a significant emotional toll, as it has affected my ability to secure housing and employment opportunities. 

Violation : Potential violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 15 U.S.C. 1692f. 
Collections : XXXX  ( # XXXX ), XXXX XXXX XXXX ( # XXXX ), and XXXX XXXX XXXX ( # XXXX ) have reported collection accounts without providing adequate verification or documentation. This has caused immense stress and XXXX  as I have sought to resolve these alleged debts. 

2000 The following personal information is incorrect. This is not my Date of Birth. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXXXXXX XXXX, AR XXXX This address is not correct. Delete it immediately from my report. 

The impact of these violations extends far beyond my credit score. They have taken a toll on my personal life, causing sleepless nights, constant worry, and emotional distress. I have been denied housing opportunities, faced difficulties in obtaining employment, and experienced the strain of these inaccuracies on my relationships. 

I implore you to enforce legal compliance and take immediate action to rectify these violations by conducting thorough investigations into the inaccuracies I have outlined above. I request that XXXX promptly engage with the respective creditors and ensure the removal of these unverified accounts from my credit report. 

I understand the importance of accurate credit reporting and its role in my financial well-being. I trust that you will prioritize my request to rectify these errors promptly, allowing me to rebuild my credit and regain control of my life. 

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of these inaccuracies from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief