Consumer complaint received 2023-08-25
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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to you to formally dispute and address several egregious violations of credit reporting laws committed by various creditors. I am seeking your immediate assistance in enforcing my legal rights as a consumer to rectify the severe inaccuracies that have adversely impacted my financial stability and overall quality of life. 

The following is a comprehensive list of the accounts, along with the corresponding violations of credit reporting laws : XXXX  : Account number : XXXX, Please remove it from my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  : Account number : XXXX, Please remove it from my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

The inaccuracies perpetuated by these creditors have wrought havoc on my financial stability, causing immeasurable emotional distress and hindering my ability to achieve essential life goals. Allow me to share a deeply personal account that underscores the profound impact these inaccuracies have had on my life : Several months ago, I embarked on a journey to purchase my first home, a dream I had nurtured for years. I diligently saved for a down payment, secured stable employment, and meticulously prepared my finances to qualify for a mortgage. Regrettably, my mortgage application was denied due to inaccurate reporting by one of the creditors named above. The erroneous information not only led to an inflated interest rate but also shattered my dreams of homeownership. The repercussions were devastating a loss of stability for my family and the relinquishment of a future we had so eagerly anticipated. 

Furthermore, the cumulative effect of these inaccuracies from various creditors has had far-reaching implications on my overall creditworthiness. This has severely impaired my access to affordable loans, reasonable insurance premiums, and even basic necessities like reliable transportation. My aspirations for education and career advancement have been indefinitely deferred due to the lack of financial resources, putting a halt to my ability to secure a promising future for myself and my loved ones. 

Given these circumstances, I earnestly beseech the Consumer Financial Protection Bureau to intervene and enforce the provisions of credit reporting laws that are designed to safeguard consumers. I kindly request your agency 's intervention to thoroughly investigate these violations and hold the responsible creditors accountable for their actions. 

Additionally, I implore you to instruct the relevant authorities to remove the unverified and inaccurate accounts from my credit report. Such corrective action is paramount in restoring the accuracy and integrity of my credit history, which is indispensable for me to rebuild my financial stability and rekindle my pursuit of life 's ambitions. 

I urge the Consumer Financial Protection Bureau to act with urgency and determination in addressing this matter. Your swift intervention will not only rectify the injustices I have faced but will also uphold the principles of fair and accurate credit reporting that are crucial to the financial security of consumers. 

I sincerely appreciate your time and consideration. I respectfully request that you take prompt action to investigate and rectify these violations, thus enabling me to overcome the profound impact of inaccurate credit reporting. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief