Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you in good health. I am writing to bring to your attention a matter of grave concern that has profoundly impacted my life and well-being due to multiple violations of federal credit reporting laws, primarily the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in enforcing the legal rights granted to consumers under this vital legislation. 

The following violations have occurred, with account numbers and corresponding legal references : XXXX. XXXX ( Account Number : XXXX ) - **Violation of FCRA Section 1681e : ** Credit reporting inaccuracies have marred my credit profile, with unverified accounts harming my financial health. One such example is the account with XXXX. I have never had any business relationship with this company, making it impossible for this account to belong to me. Despite my efforts, this unknown account continues to tarnish my credit report. 

XXXX. XXXX XXXX Account Number : XXXX ) - **Violation of FCRA Section XXXX : ** Credit reporting inaccuracies have marred my credit profile, with unverified accounts harming my financial health. One such example is the account with XXXX XXXX I have never had any business relationship with this company, making it impossible for this account to belong to me. Despite my efforts, this unknown account continues to tarnish my credit report. 
- **Violation of FCRA Section 1681i : ** I have diligently attempted to dispute and rectify these inaccuracies, but the credit reporting agencies have failed to investigate and correct these issues within the mandated 30-day timeframe. The account with XXXX is a prime example. Not only have they inaccurately reported payment statuses, balances, and payment history, but the account number provided is also incorrect. This lack of oversight by the credit reporting agencies compounds my difficulties. 

XXXX. XXXX ( XX/XX/XXXX ) - **Violation of FCRA Section 1681e : ** I have no recollection of authorizing this inquiry, and I suspect it may be fraudulent. I request its immediate removal from my credit report due to potential unauthorized access. 

XXXX. XXXX ( Account Number : XXXX ) - **Violation of FCRA Section 1681s-2 : ** Inaccurate reporting of information, including reporting updated status when nothing has changed and incorrect late payments. This account has caused significant damage to my credit score. 

XXXX. XXXX ( Account XXXX : XXXX ) - **Violation of FCRA Section 1681e : ** Credit reporting inaccuracies have marred my credit profile, with unverified accounts harming my financial health. One such example is the account with Berlinwhr-KS. I have never had any business relationship with this company, making it impossible for this account to belong to me. Despite my efforts, this unknown account continues to tarnish my credit report. 

XXXX. XXXX XXXX ( XX/XX/XXXX ) - **Violation of FCRA Section 1681e : ** I have no recollection of authorizing this inquiry, and I suspect it may be fraudulent. I request its immediate removal from my credit report due to potential unauthorized access. 

XXXX. XXXX XXXX, IN** ( XX/XX/XXXX ) - **Violation of FCRA Section 1681e : ** I have no recollection of authorizing this inquiry, and I suspect it may be fraudulent. I request its immediate removal from my credit report due to potential unauthorized access. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) - **Violation of FCRA Section 1681e : ** I have no recollection of authorizing this inquiry, and I suspect it may be fraudulent. I request its immediate removal from my credit report due to potential unauthorized access. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX ) - **Violation of FCRA Section 1681e : ** I have no recollection of authorizing this inquiry, and I suspect it may be fraudulent. I request its immediate removal from my credit report due to potential unauthorized access.

**Personal Impact : ** Allow me to share a deeply personal story of how these violations have adversely affected my life. In [ year ], I found myself in a challenging financial situation due to [ explain the circumstances, such as a medical emergency, job loss, or other significant life events ]. As a result, my credit score plummeted, making it nearly impossible for me to secure affordable housing, obtain loans for necessary expenses, or even secure a job. This situation has caused immense stress, anxiety, and despair in my life. I have faced countless rejections and sleepless nights, all because of these inaccuracies. 

The emotional toll has been profound. I have experienced anxiety and XXXX due to the seemingly insurmountable obstacles these inaccuracies have posed. It has affected my self-esteem, relationships, and overall quality of life. 

In light of the violations mentioned above and the deeply personal impact they have had on my life, I implore the CFPB to intervene and enforce the legal rights granted to consumers under the FCRA. I request that you investigate these violations thoroughly and ensure that the creditors remove these unverified accounts from my credit report immediately. This action would significantly alleviate the emotional and financial distress I have endured for far too long. 

I appreciate your prompt attention to this matter and the critical role that the CFPB plays in safeguarding consumers ' rights. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if you require any additional information to proceed with this investigation. 

Thank you for your dedication to consumer protection. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief