Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1993 To Whom It May Concern, I am writing to earnestly request your intervention and enforcement of the Fair Credit Reporting Act ( FCRA ) in addressing several troubling violations that have had a profound and devastating impact on my life. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and protect my rights as a consumer. 

I have meticulously documented the specific violations, including the account names, numbers, and the corresponding FCRA sections that have been violated : Violation 1 : Unverified Account Information - Creditor : XXXX Account Number : XXXX Relevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Violation 2 : Unverified Account Information - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Relevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Violation 3 : Unverified Account Information - Creditor : XXXX Account Number : XXXX Relevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Violation 4 : Inaccurate Reporting - Creditor : XXXX Account Number : XXXX Relevant Section : Section 623 - Responsibilities of furnishers of information to consumer reporting agencies Code : 15 U.S.C. 1681s-2 Violation 5 : Unrecognized Account - Creditor : XXXX XXXX XXXX Account Number : XXXX Relevant Section : Section 623 - Responsibilities of furnishers of information to consumer reporting agencies Code : 15 U.S.C. 1681s-2 These violations have inflicted severe harm on my financial well-being and my emotional state. Allow me to share a deeply personal story that illustrates the emotional toll of these inaccuracies : For years, I have diligently worked to maintain financial responsibility, always striving to meet my obligations and build a promising future. However, the inaccuracies and unverified accounts on my credit report have rendered these efforts futile. 

Recently, I faced a situation that encapsulates the anguish caused by these violations. I had applied for a mortgage to purchase a home for my familya milestone I had long dreamed of achieving. Despite my stable income and good credit history, my mortgage application was denied due to the inaccuracies on my credit report. The lender cited my supposed late payments, which were inaccurately reported by creditors who had failed to verify their accounts. 

The emotional toll of this denial was devastating. I watched as my family 's dreams of having a stable home were shattered. The disappointment and frustration that engulfed my family were immeasurable. We were forced to continue renting, with our hopes of homeownership slipping further out of reach. 

This is just one of many heart-wrenching stories that illustrate the distressing impact these violations have had on my life. The constant struggle to correct inaccuracies and navigate the financial consequences has caused immeasurable stress and anxiety, affecting not only my personal life but also my professional endeavors. 

In light of these violations, I kindly request the removal of the unverified accounts from my credit report. By doing so, my fair and accurate credit standing can be restored, and I can regain control over my financial future. 

I implore the CFPB to conduct a thorough investigation into these violations, enforce the protections granted to consumers under the FCRA, and ensure that justice prevails. Your agency plays a pivotal role in safeguarding consumers ' rights, and I rely on your expertise and dedication to rectify this situation. 

I appreciate your prompt attention to this matter and your commitment to upholding the rights of consumers like me. I look forward to a swift resolution and a positive outcome that will allow me to rebuild my financial stability and pursue my dreams. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation