Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and enforce the applicable legal provisions. The following are the specific details of the accounts in question and the violations I believe have occurred, along with the corresponding laws : XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Pull Explanation : I have no recollection of authorizing the credit pull associated with this account on the mentioned date. I am deeply concerned about the unauthorized access to my credit information, which is a direct violation of my rights under FCRA Section 604 ( f ). 
XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Credit Reporting Explanation : The inaccurate reporting of late payments on this account has had a profound impact on my life. This misinformation has tarnished my credit history, affecting my ability to secure loans, obtain favorable interest rates, and pursue my dreams. The emotional distress caused by this inaccurate reporting has been overwhelming. 
Violation : FCRA Sections 611 ( a ) and 623 XXXX : Account number : XXXX Violation : Inaccurate Credit Reporting Explanation : The incorrect portrayal of late payments on this account has brought about serious consequences. My trust in the accuracy of credit reporting has been shattered, and the resulting damage to my creditworthiness has caused stress and anxiety. The emotional toll of these inaccuracies can not be overstated. 
Violation : FCRA Sections 611 ( a ) and 623 XXXX XXXX : Account number : XXXX Violation : Inaccurate Credit Reporting Explanation : The false reporting of late payments on this account has cast doubt on the fairness of the credit reporting system. The resulting impact on my financial opportunities and overall well-being has been severe. The emotional burden of these inaccuracies is a heavy weight to bear. 
Violation : FCRA Sections 611 ( a ) and 623 XXXX XXXX : Account number : XXXX Violation : Potentially Unauthorized or Inaccurate Account Explanation : The presence of this account on my credit report is baffling to me, as I can not identify the associated business. This has ignited feelings of uncertainty and vulnerability. The potential inclusion of inaccurate or unauthorized accounts is deeply troubling. 
Violation : FCRA Sections 611 ( a ) and 623 The impact of these violations extends beyond mere financial consequences ; it has taken a profound emotional toll on my life. The XXXX, frustration, and distress caused by these inaccuracies have tested my resilience. The stress of constantly wondering how these errors might impact my future has led to sleepless nights and a constant sense of unease. 

In light of these violations, I earnestly ask that the CFPB exercise its authority to enforce FCRA and ensure the following remedies : The removal of the unauthorized credit pull from my credit report. 
The correction of inaccurate information related to late payments on the mentioned accounts. 
A thorough investigation into the potentially unauthorized or inaccurate account and its immediate removal if not verified. 
I deeply appreciate your attention to this matter and your dedication to safeguarding consumer rights. Your intervention would not only provide relief from the distress caused by these violations but also restore my faith in the integrity of the credit reporting system. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief