Consumer complaint received 2023-09-01
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 XXXX, California XXXX Date of Birth : XX/XX/1992 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to implore your assistance in addressing a series of egregious violations that have had a profound and devastating impact on my life. These violations concern the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other pertinent consumer protection laws. 

1. XXXX XXXX - Account XXXX : XXXX Violation : Disputed item appearing on credit report without evidence. 
Violation References : FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 2. XXXX XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) 3. XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) 4. XXXXXXXX XXXX - Account Number : XXXX Violation : Misleading false reporting, potentially violating FDCPA Section 807. 
Violation Reference : FDCPA - 15 U.S.C. 1692e These violations have not only eroded my financial stability but have also taken a tremendous toll on my emotional well-being and aspirations. 

Personal Hardships : Allow me to share the emotional journey these violations have thrust upon me and my family. The inaccurate and unverified items on my credit report have been a dark cloud that has loomed over us for far too long. 

The ramifications of these violations have reached every aspect of my life. Due to the stain on my credit history, I have been unable to secure loans at reasonable rates to fund crucial investments, such as my children 's education or purchasing a home suitable for my family. It has been a dream deferred, a vision of stability perpetually out of reach. 

Furthermore, the emotional anguish has been immeasurable. I've watched my family 's hopes and dreams slip further from our grasp, all because of circumstances beyond our control. The daily stress of financial uncertainty has strained relationships, and the sleepless nights wondering how to provide for my loved ones have taken their toll. 

I implore the Consumer Financial Protection Bureau to champion the rights and protections bestowed upon consumers under the FCRA and FDCPA. With a heavy heart, I earnestly request that you undertake a swift and thorough investigation into these violations, and ensure that the respective creditors promptly remove these unverified and inaccurate accounts from my credit report. 

Removing these unjust blemishes would offer a glimmer of hope and a pathway toward rebuilding my life. I am counting on your commitment to justice and consumer rights to help me regain my financial dignity and provide a brighter future for my family. 

Thank you for your unwavering commitment to consumer protection, and I eagerly await a resolution that will alleviate my burdens and restore my hope. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation