Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1996 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically with regard to the reporting practices of XXXX XXXX XXXX XXXX The violations I have experienced have had a profound impact on my life, and I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf to rectify this situation.

For too long, I have endured the unjust consequences of an inaccurate and unverified item on my credit report, which bears Account Number : XXXX and is associated with XXXX XXXX XXXX. Under the FCRA, I understand that this disputed item should not persist on my credit report if it can not be substantiated with credible evidence. I refer to the following specific sections of the FCRA that have been violated : Section 611 : Procedure in case of disputed accuracy ( 15 USC 1681i ) Section 623 : Responsibilities of furnishers of information to consumer reporting agencies ( 15 USC 1681s-2 ) I have taken every possible measure to address this issue with XXXX XXXX XXXX, yet the burden of this unresolved dispute continues to weigh heavily on my financial well-being and my prospects for the future. I have struggled to secure favorable interest rates for loans, missed out on housing opportunities, and faced unnecessary stress due to the uncertainty caused by this unjust reporting.

I implore you to consider the emotional toll this situation has taken on me and my family. As a result of this unverified account, I have been unable to provide my children with the stable home they deserve. We have been forced to live in a neighborhood that does not provide a safe environment, impacting their growth, education, and overall quality of life. 

The emotional distress I have experienced is immeasurable. Each day, I am reminded of the detrimental impact this inaccurate reporting has had on my life. My family 's dreams of financial security and stability have been shattered due to the negligence of a creditor 's reporting practices. 

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau exercise its authority to enforce my rights under the FCRA. Specifically, I urge you to take the necessary steps to ensure that the unverified account associated with Account Number : XXXX from XXXX XXXX XXXX is promptly removed from my credit report. This action will not only provide me with the relief I so desperately seek but also serve as a beacon of hope for countless individuals who find themselves entangled in similar circumstances.

I humbly await your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will use its influence to restore fairness and accuracy to my credit report. I thank you in advance for your understanding, compassion, and dedication to upholding the rights of consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation