Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to submit a formal complaint against several creditors for multiple violations of the Fair Credit Reporting Act ( FCRA ). These violations have had a profound and distressing impact on my life, and I am earnestly seeking your assistance in enforcing legal actions to address these ongoing issues. 

The violations are as follows, along with the associated accounts, account numbers, and specific FCRA sections : Violation : Failure to verify the accuracy of the account information. 

Violation : FCRA - Fair Credit Reporting Act Section : 611 ( a ) ( 1 ) ( A ) Account : XXXX XXXX Account Number : XXXX Violation : Failure to verify the accuracy of the account information. 
Violation : FCRA - Fair Credit Reporting Act Sections : 604 ( a ) ( 3 ) ( F ) and 607 ( b ) Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized inquiry on my credit report. 
Violation : FCRA - Fair Credit Reporting Act Section : 607 ( b ) Violation : Incorrect personal information reported ( Address ).

Violation : FCRA - Fair Credit Reporting Act Section : 611 ( a ) ( 1 ) ( A ) Account : XXXX XXXX Account Number : XXXX Violation : Failure to verify the accuracy of the account information. 
Violation : FCRA - Fair Credit Reporting Act Sections : 604 ( a ) ( 3 ) ( F ) and 607 ( b ) Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized inquiry on my credit report. 
Violation : FCRA - Fair Credit Reporting Act Section : 611 ( a ) ( 1 ) ( B ) Account Number : XXXX ( CCB/CHLDPLCE ) Violation : Inaccurate reporting of payment history. 

These violations have taken a severe toll on my life, both financially and emotionally. I implore you to understand the depth of the impact through a personal story that exemplifies the extent of the distress caused by these violations. 

Last month, my family and I took a significant step toward securing a stable future. We applied for a mortgage with the hope of providing a home for our growing family. Throughout our lives, we have strived to maintain responsible financial practices, build a secure foundation for our children, and ensure their well-being. This mortgage application represented a culmination of our efforts and dreams. 

However, to our utter dismay, our mortgage application was denied due to the inaccuracies on my credit report. The dream of owning a home, a place where our children could thrive and create lasting memories, crumbled before us. It was as if our aspirations had been shattered into a million pieces. The emotional turmoil that followed was indescribable, as we had to confront the harsh reality that our dream was unattainable due to circumstances beyond our control. 

These violations have not only derailed our homeownership dreams but have also affected other aspects of our lives. I have faced challenges securing reasonable loan terms, obtaining suitable housing, and even pursuing employment opportunities. The weight of these inaccuracies continues to burden me emotionally and financially, causing immense stress and frustration. 

I implore the Consumer Financial Protection Bureau to take swift and decisive action to enforce the legal provisions outlined in the FCRA. I kindly request that the relevant creditors be held accountable for their actions and be mandated to remove the unverified accounts from my credit report. This action is not only essential for my financial stability but also for my overall quality of life. 

I appreciate your attention to this matter and your dedication to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this issue and take the necessary steps to rectify the violations. My sincere hope is that, through your intervention, I can regain control over my financial future and provide a stable and nurturing environment for my family. 

Thank you for your time, consideration, and commitment to justice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief