Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX  Dear Consumer Financial Protection Bureau , I am writing to you today with a heavy heart, seeking your assistance and intervention in resolving a matter that has profoundly affected my life. My plea for justice pertains to violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) by a creditor, as well as their refusal to verify certain accounts on my credit report. 

I feel compelled to share my personal story with you, as it illustrates the devastating impact these violations have had on my life. This is not merely a matter of financial inconvenience ; it is a story of dreams deferred, opportunities denied, and emotional turmoil. 

In XX/XX/XXXX, I was at a pivotal moment in my life. I had worked tirelessly to improve my credit score, as I had long harbored dreams of homeownership. With diligent effort, I had managed to achieve a credit score that seemed to align with my aspirations. I could almost touch the prospect of purchasing my first home, a place where my family and I could finally put down roots. 

However, my hopes were crushed when I discovered an unauthorized credit inquiry made by XXXX on XX/XX/XXXX. I was stunned, as I had no recollection of ever authorizing this credit pull. This single inquiry, a seemingly insignificant mark, had far-reaching consequences. 

Violation # 1 : Unauthorized Credit Inquiry FCRA Section 604 ( a ) ( 3 ) ( A ) and 604 ( b ) ( 2 ) ( A ) FACTA Section 603 ( q ) The unauthorized inquiry wreaked havoc on my credit score, causing a precipitous drop. Suddenly, the doors that were once opening to me slammed shut. My dreams of homeownership faded into the distance, replaced by a sense of despair and helplessness. The emotional toll this has taken on me can not be overstated. It is not just about financial stability but about the erosion of hope and the feeling of being wronged. 

Despite my repeated efforts to dispute this unauthorized inquiry with XXXX and the credit bureaus, the inquiry persists on my credit report. The creditors have failed to provide any verifiable proof of my authorization for this inquiry. This ongoing injustice is not only a violation of my rights under the FCRA and FACTA but is a constant reminder of the dreams that have been shattered and the emotional distress I have endured. 

Violation # 2 : Failure to Verify and Correct Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ) FACTA Section 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ) In addition to the unauthorized inquiry, there are other accounts on my credit report that remain unverified despite my disputes. The creditors have failed to provide adequate verification of these accounts, which further compounds the inaccuracies on my credit report. 

In light of these violations and the profound impact they have had on my life, I implore the Consumer Financial Protection Bureau to enforce the law and intervene on my behalf. I beseech you to use your authority to ensure that XXXX promptly removes the unauthorized inquiry and all unverified accounts from my credit report and takes appropriate corrective action. 

I want to believe that justice can prevail, that my dreams can be rekindled, and that my life can be made whole again. Your intervention in this matter is my last hope for resolution. 

Thank you for your attention to this critical issue, and I look forward to your prompt action in bringing about a just resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation