Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX SSN : XXXX XXXX : XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the inaccurate credit reporting that is currently negatively impacting my credit profile. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in rectifying this situation. 

XXXX. XXXX - Account Number : XXXX Despite the fact that to the best of my knowledge, this account has never been paid late, your reporting indicates otherwise. This inaccurate information has significantly damaged my credit and has had profound consequences in various aspects of my life. From obtaining reasonable interest rates on loans to securing housing opportunities, these inaccuracies have impeded my financial growth and stability. 

XXXXCRA Violation : ** FCRA Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies XXXX. XXXX XXXX XXXX Account Number : XXXX The same inaccuracy persists here, where it is falsely reported that I have been late in paying this account. This misinformation has had a domino effect, casting doubt on my credibility as a responsible borrower and consumer. It is distressing to witness how this one piece of incorrect information has the potential to shape major decisions about my financial future. 

**FCRA Violation : ** FCRA Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies 3. **Incorrect Personal Information - Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Additionally, my personal information is inaccurately listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This incorrect address does not accurately represent my residence, and its presence on my credit report further compounds the detrimental impact of these inaccuracies on my financial life. 

XXXX*FCRA Violation : ** FCRA Section 611 - Procedure in Case of Disputed Accuracy These inaccuracies have not only financial implications but have also taken an emotional toll on me. Allow me to share a personal story to illustrate the gravity of this situation : Recently, I applied for a mortgage to purchase my first home. The anticipation and excitement of embarking on this significant milestone in life were quickly overshadowed by the shock of being denied a reasonable mortgage rate due to the inaccuracies on my credit report. The lender 's response was disheartening, as they cited my " credit history '' as the reason for the unfavorable terms. This moment was a culmination of months of planning and dreaming, and it left me devastated and disheartened. I couldn't help but feel that a simple mistake on my credit report had unjustly snatched away an opportunity that I had worked so diligently for. 

I am reaching out to you, the Consumer Financial Protection Bureau, with the hope that you will enforce the legal protections provided by the Fair Credit Reporting Act. I kindly request that you investigate these violations thoroughly and work with the creditors to ensure the accurate and fair reporting of my credit history. Specifically, I request that these unverified accounts be removed from my credit report, as they do not accurately represent my financial behavior and are damaging my creditworthiness. 

Thank you for your attention to this matter, and I eagerly anticipate your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation