Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance in resolving a matter that has significantly impacted my life and financial well-being. I have previously submitted disputes regarding various violations of federal consumer protection laws, and I kindly ask for your intervention to ensure the enforcement of these legal rights. 

Over the past years, the inaccuracies on my credit report have caused immeasurable distress and hardship in my life. These inaccuracies have not only affected my financial stability but have also taken a severe emotional toll on me and my family. 

The violations I have encountered are as follows : Violation of Fair Credit Reporting Act ( FCRA ) : Unverified Account- XXXX XXXX ( Account number : XXXX ) : This account is unverified and does not belong to me. FCRA Section 1681s-2 ( b ) requires credit reporting agencies to conduct a reasonable investigation into disputed items. Reporting unverified accounts violates this provision. 
Unauthorized Credit Inquiries : Unauthorized Credit Pull - XXXX XXXX XXXX ( Account number : XXXX  ) : This inquiry was made without my knowledge or consent, violating my rights under the FCRA. 
Questionable Account Information : Questionable Account Name and Number - XXXX  ( Account number : XXXX ) : This account 's name and number are questionable and need validation as per FCRA Section 1681i. 
Unverified Account - XXXX XXXX XXXX ( Account number : XXXX ) : This account is unverified and does not belong to me, violating FCRA Section 1681s-2 ( b ). 
Unverified Account - XXXX ( Account number : XXXX ) : This account is unverified and does not belong to me, violating FCRA Section 1681s-2 ( b ). 
Unverified Account - XXXX ( Account number : XXXX ) : This account is unverified and does not belong to me, violating FCRA Section 1681s-2 ( b ). 
Unverified Account - XXXX ( Account number : XXXX ) : This account is unverified and does not belong to me, violating FCRA Section 1681s-2 ( b ). 
Questionable Account Name and Number - XXXX ( Account number : XXXX ) : This account 's name and number are questionable and need validation as per FCRA Section 1681i. 
Questionable Account Name and Number - XXXXXXXX XXXX XXXX  XXXX Account number : XXXX ) : This account 's name and number are questionable and need validation as per FCRA Section 1681i. 
Reporting Inaccurate Payment History : Inaccurate Payment History - XXXX XXXX ( Account number : XXXX ) : This account has inaccurately reported late payments, violating FCRA Section 1681s-2 ( a ) ( 1 ) ( A ). 
Inaccurate Payment History - XXXX XXXX ( Account number : XXXX ) : This account has inaccurately reported late payments, violating FCRA Section 1681s-2 ( a ) ( 1 ) ( A ). 
Address Reporting : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( Account number : Address ) : This personal information is incorrect, violating FCRA Section 1681c. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX CA XXXX ( Account number : Address ) : This personal information is incorrect, violating FCRA Section 1681c.

To illustrate the profound impact of these violations, I want to share a personal story. Due to the inaccuracies on my credit report, I was recently denied a mortgage loan that would have allowed my family to purchase our first home. The dream of providing a stable and safe environment for my children has been shattered, and we continue to struggle with renting substandard housing in an unsafe neighborhood. My inability to secure affordable credit has also led to missed opportunities for my children 's education and has put a tremendous strain on our daily lives. 

I implore you to take immediate action to enforce the legal rights granted to me under the FCRA and related consumer protection laws. Specifically, I request that you ensure the removal of these unverified accounts from my credit report, as they have been a source of immense distress and have hindered my ability to lead a secure and fulfilling life. 

I have diligently followed the proper dispute procedures with the credit reporting agencies and creditors, but the issues persist. Your intervention is my last hope for justice and the restoration of my financial well-being. 

Thank you for your attention to this matter. I look forward to a prompt resolution and request that you keep me updated on the progress of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief