Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain entries on my credit report which I believe to be inaccurate and in violation of applicable laws. I kindly request your assistance in addressing these matters and ensuring that the laws designed to protect consumers ' credit information are properly enforced. 

I have identified the following violations pertaining to specific creditors and their respective account details : 1. Unauthorized Inquiry : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized access or use of consumer reports Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : 15 U.S. Code 1681b 2. Inaccurate Reporting of Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. Violation : Responsibilities of furnishers of information to consumer reporting agencies, including accurate reporting, correcting inaccuracies, and providing notice of dispute Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : 15 U.S. Code 1681s-2 3. Misleading Reporting and Forgery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Duty to provide accurate information, duties of consumer reporting agencies regarding the investigation of disputed information Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( 5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized access or use of consumer reports Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : 15 U.S. Code 1681b 5. Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Duty to provide accurate information Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : 15 U.S. Code 1681e ( b ) 6. Incorrect Personal Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Duty to provide accurate information Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : 15 U.S. Code 1681e ( b ) 7. Inaccurate Reporting of Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX Violations : Same violations as described in point 2. Violation : Responsibilities of furnishers of information to consumer reporting agencies, including accurate reporting, correcting inaccuracies, and providing notice of dispute Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : 15 U.S. Code 1681s-2 8. Incorrect Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duty to provide accurate information Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : 15 U.S. Code 1681e ( b ) These violations not only reflect a breach of my consumer rights but also significantly impact my personal and financial well-being. Allow me to share a personal story of how these inaccuracies have affected my life : For years, I have diligently managed my financial responsibilities, always striving to maintain a respectable credit score. Unfortunately, the inaccuracies and violations highlighted above have resulted in undue stress and hardship. Recently, as I was in the process of securing a mortgage to purchase a home for my family, I discovered that these erroneous entries had lowered my credit score, leading to unfavorable loan terms and higher interest rates. The dream of providing a stable and comfortable home for my family has been compromised due to factors beyond my control. 

The emotional toll has been immense. The uncertainty and frustration stemming from these inaccuracies have impacted not only my financial stability but also my mental and emotional well-being. The constant worry about the potential long-term effects on my family 's financial future has been a burden that I should not have had to bear. 

In light of these violations, I kindly request the Consumer Financial Protection Bureau 's intervention in enforcing the relevant laws to rectify this situation. I ask that you work to ensure that the following unverified accounts are removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly appreciate your attention to this matter and your commitment to upholding the rights of consumers like me. Your assistance in rectifying these violations would not only restore my faith in the credit reporting system but also provide my family with the opportunity to move forward with our plans for a stable and secure future. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation