Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: AZ
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 XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ). My credit report has been marred by several discrepancies and inaccuracies, leading to severe consequences in my personal and financial life. 

Below are the creditors, their associated accounts, and the potential violations : XXXX  | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX  | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX  | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX XXXX XXXX : Account Number : XXXX Potential Violation : No apparent violation based on the information provided. 

XXXX  | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX  | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX  | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX XXXX : Account XXXX : XXXX Potential Violation : No apparent violation based on the information provided. 

XXXX XXXX XXXX | XX/XX/XXXX Potential Violation : Failure to provide a valid and consistent account number, potentially violating FCRA Section 623. 

XXXX : Account XXXX : XXXX Potential Violation : No apparent violation based on the information provided. 

Personal Impact : These credit reporting inaccuracies have had a profound and distressing impact on my life. Allow me to share a personal story illustrating the devastating consequences of these violations : In [ Month, Year ], I found myself facing unexpected medical expenses following a sudden illness in my family. Desperate to cover these unforeseen costs, I sought financial assistance, including medical loans and credit card extensions. These financial lifelines were crucial in ensuring my family 's well-being during a time of crisis. 

However, I soon discovered that the very institutions that were meant to provide support had erred in reporting my account information to the credit bureaus. Incorrect account numbers and inaccurate reporting made it nearly impossible for me to secure additional credit or negotiate favorable terms with new creditors. The resulting decline in my credit score left me grappling with higher interest rates, stricter lending terms, and insurmountable financial stress. 

The emotional toll has been immeasurable. The constant worry about our financial stability has strained family relationships and has taken a toll on my mental and emotional well-being. XXXX nights, XXXX, and the inability to provide for my loved ones have become a daily burden. 

Request for Resolution : I respectfully request that you investigate and address these violations promptly. Specifically, I ask that you compel the following actions : Thoroughly investigate the inconsistencies and inaccuracies in my credit report as detailed in this dispute.

Enforce the legal requirements outlined in the FCRA, including the removal of any unverified accounts from my credit report, as per FCRA Section 611.

Ensure that creditors involved rectify the inaccuracies and provide accurate and consistent account information in accordance with the FCRA, as per FCRA Section 623.

I am hopeful that your intervention will help alleviate the overwhelming financial and emotional distress I have endured due to these credit reporting violations. Please consider the gravity of my situation and act swiftly to restore fairness and accuracy to my credit report. 

Thank you for your attention to this matter. I eagerly await your response and trust that justice will prevail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation