Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ), which have significantly harmed my credit history and overall financial well-being. The actions of multiple creditors have resulted in inaccuracies and discrepancies on my credit report, ultimately undermining my financial stability and causing severe emotional distress. I kindly request the Consumer Financial Protection Bureau 's ( CFPB ) intervention to rectify these violations and enforce my legal rights. 

The violations I am contesting involve the following accounts : 1. XXXXXXXX/XXXX  | XX/XX/XXXX : ** Unauthorized credit pull ; request for removal from my credit report. 

XXXX. XXXXXXXX  : Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXXXXXX  : Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXXXXXX/XXXX  | XX/XX/XXXX : ** Unauthorized credit pull ; request for removal from my credit report. 

XXXX. XXXXXXXX  : Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXXXXXX  XXXX  : Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXX XXXX XXXX Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXX XXXX | XX/XX/XXXX : ** Unauthorized credit pull ; request for removal from my credit report. 

XXXX. XXXX : Account number : XXXX : ** Inaccurate payment history reporting ; request for correction and removal. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX : ** Unauthorized credit pull ; request for removal from my credit report. 

XXXX. XXXX : Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXX XXXX XXXX XXXX XXXX : Account number : XXXX  : ** Incorrect personal information ; request for removal. 

XXXX. XXXX XXXX  : Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXX | XX/XX/XXXX XXXX ** Unauthorized credit pull ; request for removal from my credit report. 

XXXX. XXXX XXXX XXXX Account number : XXXX : ** Inaccurate account reporting ; request for verification and removal. 

XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX : ** Inaccurate payment history reporting ; request for correction and removal. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : Account number : Address : ** Incorrect personal information ; request for removal. 

XXXX. XXXX XXXX XXXX XXXX CA XXXX : Account number : Address : ** Incorrect personal information ; request for removal. 

[ Share your personal story here details about how these discrepancies have impacted your life emotionally, financially, and personally. ] I respectfully request the following actions : 1. A thorough investigation into each of the discrepancies and violations outlined above.

2. Immediate removal of unauthorized credit pulls and unverified accounts from my credit report.

3. Accurate verification and correction of any erroneous information that has been reported.

4. A commitment to upholding the principles of the Fair Credit Reporting Act ( FCRA ) to ensure fairness, transparency, and accountability.

I am deeply hopeful that the CFPB will address these violations with the utmost urgency and take necessary steps to ensure my rights are protected. Your intervention will not only alleviate my current distress but also contribute to maintaining the integrity of the credit reporting system.

Thank you for your attention to this matter. I look forward to a prompt resolution that honors justice and consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief