Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute and request your intervention regarding multiple inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. These violations have had a profound and distressing impact on my life, and I implore you to assist me in enforcing my legal rights. 

The violations that I would like to bring to your attention pertain to the following creditors and their associated account numbers : XXXX XXXX XXXX : Account number : XXXX Violation : Inaccuracy of Information ( 15 U.S.C. 1681i ) XXXX  : Account number : XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) XXXX XXXX XXXX : Account numbers : XXXX and XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) XXXX XXXX XXXX : Account number : XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) XXXX XXXX : Account number : XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) XXXX : Account number : XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) XXXX : Account number : XXXX Violation : Request for verification of payment status, balance, comments, and account details ( 15 U.S.C. 1681i XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number XXXX XXXX  Violation : Unauthorized inquiry, potential fraud ( 15 U.S.C. 1681b ) XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized inquiry, potential fraud ( 15 U.S.C. 1681b ) XXXX XXXX : Account number : XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Lack of business relationship, request for immediate deletion ( 15 U.S.C. 1681i ) These creditors have reported accounts on my credit report that I believe to be inaccurate and, in some cases, entirely unverified. The impact of these violations on my life has been devastating. 

I would like to share a personal story to illustrate the emotional and financial toll these inaccuracies have taken on my life. [ Share a detailed and emotional personal story here, such as how these inaccuracies affected your ability to secure housing, obtain a loan, or find employment. Be specific about the challenges you faced and the emotional distress you experienced. ] In light of these violations and the profound impact on my life, I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA, FDCPA, and any other applicable laws. Specifically, I request that the following actions be taken : Investigate the accuracy and validity of the accounts listed above. 
Ensure that any inaccuracies or unverified accounts are promptly removed from my credit report. 
Hold the creditors accountable for their actions and seek appropriate remedies under the law. 
I understand the importance of maintaining accurate credit information, not only for my financial well-being but also for my overall quality of life. I am grateful for the work that the Consumer Financial Protection Bureau does in safeguarding the rights of consumers like me, and I trust that you will take my case seriously. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to assist in your investigation. I eagerly await your prompt response and resolution of these troubling violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief