Consumer complaint received 2023-09-06
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1992 Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance that has had a profound and distressing impact on my life. I kindly request your assistance in enforcing my legal rights and seeking redress for the violations committed by certain creditors. 

Violations : Unauthorized Inquiries : Several creditors, including XXXX and XXXX, have made inquiries into my credit report without my explicit authorization or consent ( Violations of 15 U.S.C. 1681b ( f ) ). I do not recall ever authorizing these inquiries, and I believe they may be in violation of FCRA regulations.

Inaccurate Reporting ( Violation of 15 U.S.C. 1681e ) : XXXX ( Account number : XXXX ) XXXX XXXX has reported information to the credit bureaus that I believe to be inaccurate. This misinformation has cast a shadow over my financial credibility, and I believe it was not properly investigated under FCRA requirements. 
XXXX ( Account number : XXXX ) : XXXX has reported data on my credit report that I strongly suspect to be incorrect. I have reason to believe that this information was not adequately verified ( Violation of 15 U.S.C. 1681e ), and it may contain inaccuracies in terms of payment status, balance, comments, payment history, and account number.

Personal Impact : To underscore the gravity of these violations, allow me to share a personal story of how this situation has affected my life. These inaccuracies and unauthorized inquiries have caused me immense distress, XXXX and frustration. They have jeopardized my ability to secure essential financing for important life events, such as purchasing a home, obtaining favorable interest rates, and accessing credit when needed. The emotional toll this has taken on me is immeasurable, as I have faced sleepless nights, persistent worry, and strained relationships due to this financial uncertainty. 

Request for Resolution : In light of the violations outlined above and the profound impact on my life, I kindly request the following actions : Investigation : I urge the CFPB to initiate a thorough investigation into these violations, ensuring that each creditor complies with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and other relevant consumer protection laws. 

Immediate Removal : I request that the creditors, XXXX XXXXXXXX, XXXX, and XXXX, promptly remove the unverified and inaccurate accounts from my credit report to rectify the damage caused. 

I am grateful for your attention to this matter and your commitment to safeguarding the rights of consumers like myself. Please consider this as an urgent plea for assistance in rectifying these injustices. 

Thank you for your prompt attention to this dispute, and I look forward to a swift resolution that will help restore my financial well-being and peace of mind. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief