Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/1975 Dear Sir/Madam, I hope this letter finds you well. I am writing to urgently address a matter of grave concern related to my credit report, which has left a profound impact on my financial stability and overall well-being. I am turning to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in enforcing my legal rights and rectifying the egregious violations that have occurred. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and fair information represented on my credit report. Regrettably, my interactions with multiple creditors have revealed serious transgressions that have resulted in inaccuracies and unverified accounts marring my credit history. 

Here are the specific violations that have taken place : Inaccurate Reporting - XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information. 
Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information. 
Unrecognized Account - XXXX  ( Account Number : XXXX ) : Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file. 
Inaccurate Reporting - XXXX ( Account Number : XXXX ) : lease correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information. 
Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information. 
Unrecognized Account - XXXX ( Account Number : XXXX ) : Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file. 
Unrecognized Account - XXXX XXXX ( Account Number : XXXX ) : Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file. 
Unrecognized Account - XXXX XXXX ( Account Number : XXXX ) : Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file. 
Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX CA XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

Violation : FCRA Section 607 ( b ) Explanation : This section mandates that credit reporting agencies must provide accurate information in a consumer 's credit report and must promptly delete outdated or erroneous information. 
These violations have not only undermined my legal rights but have also wreaked havoc on my personal and financial life. The inaccuracies have led to unjustified denials of credit, exorbitant interest rates, and the inability to secure necessary loans for significant life events. As a result, my ability to provide for my family, secure housing, and plan for the future has been unjustly hindered. I am constantly burdened with the weight of these inaccuracies and unverified accounts, which have taken a toll on my emotional well-being as well. 

Allow me to recount a poignant incident that serves as a testament to the distress I've endured due to these violations. I recently endeavored to secure a mortgage to fulfill my family 's aspirations of owning a cherished home. Despite maintaining an impeccable credit history throughout my life, the inaccuracies and unverified accounts on my report led to the rejection of my mortgage application. The home that symbolized stability and happiness for my family is now tragically out of reach, solely due to information that should never have marred my credit report. This heartrending setback has left me feeling helpless and emotionally shattered. 

With utmost humility, I implore the Consumer Financial Protection Bureau to intervene and champion my legal rights. I beseech you to ensure that the creditors involved rectify the violations they have committed. Specifically, I kindly request the complete removal of the unverified accounts from my credit report. This action would not only pave the way for me to rebuild my financial standing but would also restore my hope for a brighter future for my family. 

I remain hopeful that the Consumer Financial Protection Bureau will heed my plea and take decisive action to rectify these violations. Your assistance in this matter would not only alleviate my distress but would also affirm my belief in the effectiveness of the consumer protection system. 

I thank you sincerely for your time and consideration of this grave matter. I look forward to a resolution that will help me put this agonizing episode behind me. For any further communication, please do not hesitate to contact me at XXXX or XXXX. 

With sincere gratitude, XXXX XXXX

Company response to consumer: Closed with non-monetary relief