Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX SSN : XXXX DOB : XX/XX/1999 Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I have encountered severe financial and emotional distress due to inaccuracies on my credit report, which have resulted from the violations of my rights by several creditors. I urge the CFPB to intervene and ensure that justice is served in this matter. 

Violations of the FCRA : FCRA Section 1681s-2 : I have raised disputes with the following creditors regarding accounts listed on my credit report, as they are unverified, unrecognized, or have questionable details : a. XXXX XXXX XXXX  ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This creditor has failed to provide verifiable information regarding the account. 
XXXX XXXX XXXX ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This creditor has failed to provide verifiable information regarding the account. 
XXXX XXXX XXXX XXXX ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This creditor has failed to provide verifiable information regarding the account. 
XXXX XXXX XXXX ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This account 's name and number are questionable, and the creditor has failed to provide clarification. 
eXXXX XXXX ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This account 's name and number are questionable, and the creditor has failed to provide clarification. 
f. XXXX XXXX Account number : XXXX ) Violation : FCRA Section 1681s-2. This account 's name and number are questionable, and the creditor has failed to provide clarification. 
XXXX XXXXXXXX  ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This creditor has failed to provide verifiable information regarding the account. 
XXXX XXXX XXXX ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This creditor has failed to provide verifiable information regarding the account. 
XXXX XXXX  ( Account number : XXXX ) Violation : FCRA Section 1681s-2. This creditor has failed to provide verifiable information regarding the account. 
FCRA Section 1681i : Despite my diligent efforts to resolve these discrepancies and inaccuracies, I have not received proper investigations from the credit reporting agencies. Their failure to adequately address my disputes further compounds the damage done to my financial well-being. 

My Personal Story : These inaccuracies on my credit report have had a profound and distressing impact on my life. For instance, these erroneous entries have led to : Rejections for mortgage applications, making it impossible for me to secure stable housing for my family. 
Denials for job applications, hindering my ability to provide for my loved ones. 
Higher interest rates on loans, which have resulted in crippling debt and financial hardship. 
Emotional distress, XXXX, and sleepless nights as I struggle to rectify these unjust errors. 
This situation has left me feeling helpless and unfairly treated by a system that is supposed to protect consumers like myself. My creditworthiness has been unfairly tarnished due to these inaccuracies, and it has taken a severe toll on my quality of life. 

Resolution Request : In light of the violations of the FCRA and the immense distress these inaccuracies have caused me, I respectfully request that the Consumer Financial Protection Bureau take immediate action to enforce my legal rights. Specifically, I request that the CFPB ensures that the creditors mentioned above remove these unverified accounts from my credit report. 

I appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief