Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding several inaccuracies and violations on my credit report, which have caused immense distress and hardship in my life. I am seeking your assistance in enforcing the legal rights granted by the Fair Credit Reporting Act ( FCRA ) and rectifying the significant damage caused by these errors. 

I would like to bring to your attention the following violations and inaccuracies, along with the specific FCRA sections and subsections that have been violated : XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report. 
Violation : Incorrect personal information on my credit report. 
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report. 

Violation : Incorrect personal information on my credit report. 
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized credit inquiry. 
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized credit inquiry. 
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized credit inquiry. 
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized credit inquiry. 
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX XXXXXX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized credit inquiry. 
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized credit inquiry. 
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

Violation : Incorrect personal information ( address ) on my credit report. 
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

Violation : Incorrect personal information ( address ) on my credit report. 
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate credit reporting, including late payment information. 
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information These inaccuracies and unauthorized credit inquiries have had a devastating impact on my financial well-being and overall quality of life. For instance, the incorrect personal information and inaccurately reported late payments have led to denied credit applications and higher interest rates, hindering my ability to secure essential resources for my family 's well-being. Furthermore, the unauthorized credit inquiries have caused unnecessary anxiety and concern, as I have no recollection of authorizing these inquiries and they have unjustly affected my creditworthiness. 

This situation has taken an emotional toll on me and my loved ones. The stress and frustration of constantly battling these inaccuracies have impacted my mental health, leaving me anxious and uncertain about my financial future. The inability to secure reasonable credit terms has forced us into challenging circumstances, where we are denied opportunities that we rightfully deserve. 

In light of the above, I implore you to take action to enforce the legal rights afforded by the FCRA and compel the concerned creditors to promptly investigate and rectify these errors. I am also kindly requesting the removal of the unverified and inaccurately reported accounts from my credit report, restoring my creditworthiness and affording me the chance to rebuild my financial stability. 

I sincerely appreciate your attention to this matter and your commitment to upholding consumer rights. I am hopeful that your intervention will provide the relief and justice that my family and I desperately need. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation