Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1991 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and seek your valuable assistance regarding a matter that has had a profound and distressing impact on my life. I firmly believe that XXXX creditors, XXXX XXXX ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ), have flagrantly violated the provisions set forth in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692f. I am writing to implore the CFPB to enforce the legal provisions of the FDCPA against these creditors and alleviate the considerable toll that their actions have taken on my emotional well-being and financial stability. 

XXXX XXXX Account Number : XXXX Violation : 15 USC 1692f - Use of False, Deceptive, or Misleading Representation or Means I have personally experienced the distressing ramifications of XXXX XXXX 's violation of the FDCPA. Their relentless use of false, deceptive, or misleading representation during debt collection ( 15 USC 1692f ) has caused me unimaginable emotional turmoil. The stress induced by their unfair practices has infiltrated every facet of my life, robbing me of sleep, disrupting my daily routines, and even affecting my ability to provide for my beloved family. This emotional roller coaster has been relentless, and its impact on my mental and emotional well-being can not be understated. 

XXXX  Account Number : XXXX Violation : 15 USC 1692f - Use of False, Deceptive, or Misleading Representation or Means Similarly, XXXX 's transgression of 15 USC 1692f of the FDCPA has wreaked havoc on my emotional equilibrium. Their use of false, deceptive, or misleading means during debt collection communications ( 15 USC 1692f ) has taken a toll on my emotional well-being, causing distress that casts a perpetual shadow over my life. The relentless bombardment of misleading information has eroded my trust in creditors and has left me feeling vulnerable and deeply anxious about my financial future. 

These violations have had a lasting and devastating impact on my life. The constant fear that these unverified accounts will tarnish my credit report and hinder my ability to secure housing, employment, and other essential aspects of life has been paralyzing. The distress caused by these creditors ' unethical practices has left me feeling helpless and overwhelmed, threatening my ability to provide for my family and robbing me of peace of mind.

In light of the egregious violations outlined above, I respectfully request the following actions : 1. Enforce the legal provisions set forth in 15 USC 1692f against XXXX  XXXX  and XXXX  to ensure that they immediately cease their use of false, deceptive, or misleading representation or means in their debt collection practices.

2. Urge the creditors to take immediate action to remove these unverified accounts from my credit report, thereby rectifying the profound damage that their violations have inflicted on my financial reputation.

3. Provide me with regular updates on the progress of this dispute and any actions taken to address these violations, as my emotional and financial well-being hinge on a resolution.

I implore the CFPB to stand as a beacon of hope for consumers like me who find themselves subjected to distressing violations of their rights. Your intervention and assistance in this matter will not only help rectify the grave injustices I have suffered but also set a precedent for responsible and ethical debt collection practices. 

Please understand that this is more than a simple dispute ; it is a plea for justice and relief from the emotional trauma inflicted by creditors who have disregarded their legal obligations. I earnestly await your prompt response and a swift resolution to these pressing concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation