Consumer complaint received 2023-08-26
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 XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1994 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) that have adversely affected my financial standing and overall well-being. I am seeking your assistance in enforcing my legal rights and rectifying the ongoing issues that have arisen due to these violations. 

Account with Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. 
Account with Creditor : XXXX  Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. 
Account with Creditor : XXXX Account Number : XXXX Violated Laws : 15 USC 1666B ( Fair Credit Billing Act ) and FCRA Section 623 ( a ) ( 1 ) ( C ) Violation : Billing error in reporting and failure to accurately report account status. 
Account with Creditor : XXXX XXXX  Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. 
Account with Creditor : XXXX XXXX Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. 
These violations have not only disrupted my financial stability but have also taken an emotional toll on me and my family. I'd like to share a personal story to highlight the impact of these violations on my life. 
In light of the multiple violations outlined above, I kindly request your intervention to enforce my legal rights and ensure that these inaccurately reported accounts are promptly removed from my credit report. It is my sincere hope that your involvement will lead the creditors responsible to correct their actions and relieve the burden they have placed upon me. 

Thank you for your time, attention, and dedication to upholding consumer rights. I look forward to a resolution that not only rectifies the violations but also helps me rebuild my financial foundation and regain a sense of security. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief