Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) by multiple creditors. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to enforce these legal protections to remedy the severe and distressing impact these violations have had on my life.

The violations I wish to address are as follows, along with relevant account numbers : XXXX  ( Account Number : XXXX  ) : On XX/XX/XXXX, an unauthorized inquiry was made into my credit report. I have no recollection of authorizing this inquiry, and I suspect potential fraudulent activity. This incident has caused me immense distress and concern regarding the security of my personal information. 

Laws Violated : FCRA Section 1681b - Permissible Purposes of Consumer Reports XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX  ( Account Number : XXXX ) : These creditors have inaccurately reported my payment status, balance, comments, and payment history. These discrepancies have had profound consequences on my financial stability, leading to unjustified financial burdens and a significant decline in my creditworthiness.

Laws Violated : FCRA Section 1681s-2 ( b ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies FACTA Section 611 - Procedure in case of disputed accuracy XXXX  ( Account Number : XXXX ) : Another unauthorized inquiry was made into my credit report on XX/XX/XXXX, similar to the XXXX  inquiry. I am deeply troubled by the possibility of fraudulent activity and insist on its immediate removal to safeguard my financial security. 

Laws Violated : FCRA Section 1681b - Permissible Purposes of Consumer Reports XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX ) : These creditors have erroneously reported updated information that has not been changed, specifically regarding late payments. This erroneous reporting has unfairly affected my credit score, making it more challenging to secure loans, housing, and employment opportunities. 

Laws Violated : FCRA Section 1681s-2 ( b ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies FACTA Section 611 - Procedure in case of disputed accuracy These violations have not only damaged my credit but have also taken a significant emotional toll on my life. The constant stress, XXXX, and sleepless nights brought on by these inaccuracies have strained my relationships, impacted my mental well-being, and hindered my ability to provide for my family.

I implore the CFPB to enforce the legal protections afforded under FCRA and FACTA by requesting the immediate removal of these unverified accounts from my credit report. I believe that taking swift action in this matter is crucial not only for my financial well-being but also for my emotional and mental health. 

Enclosed with this letter, please find relevant documentation supporting my claims, including copies of credit reports, statements, and any correspondence with the creditors in question. 

I want to express my sincere gratitude for your attention to this matter. Your intervention will not only help rectify these violations but also provide much-needed relief to me and my family. 

Thank you for your prompt and diligent attention to this dispute. I eagerly await a resolution to these pressing matters. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief