Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: TX
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 XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Formal Dispute of Credit Reporting Inaccuracies and Violations Dear, I am writing to formally dispute the inaccuracies in my credit report and to bring to your attention the numerous violations of federal laws by certain creditors that have adversely impacted my financial well-being. These violations concern the following accounts : 1. XXXX - Account Number : XXXX - Violations : - Failure to investigate disputed information ( FCRA Section 1681s-2 ( b ) ).

- Failure to correct inaccurate information ( FCRA Section 1681i ( a ) ).

- Reporting inaccurate information ( FCRA Section 1681e ( b ) ).

2. XXXX XXXX Account Number : XXXX - Violations : - Failure to investigate disputed information ( FCRA Section 1681s-2 ( b ) ).

- Failure to remove disputed account upon request.

3. XXXX - Account Number : XXXX - Violations : - Failure to investigate disputed information ( FCRA Section 1681s-2 ( b ) ).

- Failure to remove disputed account upon request.

4. XXXX XXXX Account Number : XXXX - Violations : - Inaccurate reporting of payment history. 
- Failure to update inaccurate account information upon request. 

5. XXXX XXXX - Account Number : XXXX - Violations : - Inaccurate reporting of payment history. 
- Failure to update inaccurate account information upon request. 

6. XXXX - Account Number : XXXX - Violations : - Inaccurate reporting of payment history. 
- Failure to update inaccurate account information upon request. 

7. XXXX - Account Number : XXXX - Violations : - Failure to investigate disputed information ( FCRA Section 1681s-2 ( b ) ). 
- Failure to remove disputed account upon request. 

8. XXXX - Account Number : XXXX - Violations : - Failure to investigate disputed information ( FCRA Section 1681s-2 ( b ) ).

- Failure to remove disputed account upon request.

9. XXXX - Account Number : XXXX - Violations : - Inaccurate reporting of payment history. 
- Failure to update inaccurate account information upon request. 

10. XXXX XXXX - Account Number : XXXX - Violations : - Inaccurate reporting of payment history. 
- Failure to update inaccurate account information upon request. 

11. XXXX XXXX - Account Number : XXXX - Violations : - Inaccurate reporting of payment history. 
- Failure to update inaccurate account information upon request. 

11. ** Additionally, I dispute the inclusion of the following addresses on my credit report as they are incorrect : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These inaccuracies and violations have had a profoundly distressing impact on my life. Allow me to share a personal story that poignantly illustrates the emotional and financial hardships I have endured : In XXXX, I embarked on the journey of purchasing my first homea dream I had nurtured for years. After months of searching for the perfect home and securing a mortgage pre-approval, I was devastated when my lender pulled my credit report. They discovered multiple inaccuracies, late payments, and accounts that I did not recognize. This discovery resulted in the denial of my mortgage application, shattering my dream of homeownership. 

The aftermath was emotionally crippling. I was left homeless, forced to continue renting an apartment and paying exorbitant monthly fees while my dream of providing a stable home for my family remained unfulfilled. Furthermore, these inaccuracies have hindered my employment prospects. I lost a promising job opportunity because the employer conducted a credit check and expressed concerns about the discrepancies in my credit report. 

The emotional toll of these events can not be overstated. I have struggled with XXXX, XXXX, and sleepless nights, feeling trapped and defeated by a system that is meant to safeguard consumers but has failed me egregiously. 

I implore XXXX to enforce the law in this matter. I earnestly request that you investigate the violations committed by these creditors and take immediate action to ensure the removal of these unverified accounts from my credit report. This is not merely a matter of justice ; it is a desperate plea for relief from the emotional and financial anguish I have endured. 

Thank you for your prompt attention to this matter. I XXXX  await a comprehensive resolution to these issues that have profoundly affected my life. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief