Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 related regulations that have significantly impacted my life. The violations pertain to the inaccurate and unverified information on my credit report, which has had profound and distressing consequences on my financial stability and overall well-being. 

Violations and Affected Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate reporting and unverified information. 
Relevant Laws : FCRA, Section 1681s-2 ( Responsibilities of Furnishers of Information ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Inaccurate reporting and false updates. 
Relevant Laws : FCRA, Section 1681s-2 ( Responsibilities of Furnishers of Information ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unverified account with no business relationship. 
Relevant Laws : FCRA, Section 1681s-2 ( Responsibilities of Furnishers of Information ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account Number : Address Violation : Incorrect personal information. 
Relevant Laws : FCRA, Section 1681i ( Reinvestigations ).

Personal Story : These violations have had a profound impact on my life. I vividly recall the day when I realized the extent of the damage to my financial reputation. As a result of these inaccuracies and unverified accounts, I have been denied opportunities to secure loans, obtain reasonable interest rates, and even find suitable housing. This ordeal has led to endless frustration, sleepless nights, and emotional distress. My dreams of providing a stable future for my family have been shattered, and I have been left feeling helpless and vulnerable. 

It is heart-wrenching to see my family struggle due to these unjustly tarnished credit reports. We have been denied access to housing in safe neighborhoods, and our financial dreams are on hold. I have worked diligently to ensure a better life for my loved ones, and it is devastating to see our efforts undermined by erroneous credit reporting. 

Request for Resolution : In light of the violations outlined above, I respectfully request that the CFPB take immediate action to enforce my legal rights under the FCRA. I implore you to investigate these matters thoroughly and compel the creditors involved to : Verify and rectify the accuracy of the reported information. 
Remove unverified accounts and erroneous entries from my credit report. 
I believe that the enforcement of these legal provisions will not only restore my financial dignity but also help me provide a brighter future for my family. 

Thank you for your attention to this matter, and I hope for a swift resolution to this distressing situation. I trust in the CFPB 's commitment to ensuring fair and accurate credit reporting for all consumers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief