Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to you today to formally dispute certain items on my credit report and to request your assistance in enforcing my legal rights as a consumer. The violations I have identified pertain to the Fair Credit Reporting Act ( FCRA ) and its pertinent sections. I am seeking your intervention to rectify these violations and ensure that my credit report is accurate and compliant with the law. 

The following are the details of the accounts in question along with their associated violations : XXXX - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX  XXXX - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX  - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX | XX/XX/XXXX - Account number : N/A Violation : Unauthorized Inquiry ( FCRA Section 604 ( f ) ( 1 ) ) XXXX  XXXX - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) These inaccuracies and unauthorized inquiries have had a profound impact on my life. Allow me to share a personal story to underscore the emotional turmoil and practical hardships I have endured due to these violations. 

Several years ago, I found myself facing unexpected financial challenges brought about by circumstances beyond my control. Despite my best efforts, I had to navigate through a period of financial instability. During this time, my credit became a lifeline for me to secure housing, employment opportunities, and necessary services. However, the presence of these inaccuracies and unauthorized inquiries on my credit report has caused me immense distress. 

On one occasion, when applying for a rental apartment, I was met with rejection due to a lower credit score attributed to these incorrect entries. This resulted in a loss of a home that would have provided stability during a critical juncture in my life. Similarly, my efforts to secure new employment were hindered by the inaccurate depiction of my creditworthiness. The impact has extended beyond my professional life, affecting my personal relationships and overall well-being.

In light of these challenges, I am kindly requesting your intervention to address these violations. I implore the Consumer Financial Protection Bureau to enforce the legal rights designed to protect consumers like me. I urge you to facilitate the removal of these unverified accounts and unauthorized inquiries from my credit report, in accordance with the FCRA and its provisions.

I appreciate your attention to this matter and the role that the Consumer Financial Protection Bureau plays in safeguarding consumer rights. Your assistance will not only rectify a personal injustice but also contribute to maintaining the integrity of the financial system for all consumers.

Thank you for your time and consideration. I eagerly await a prompt resolution to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief