Consumer complaint received 2023-08-28
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 formally dispute several credit reporting violations that have severely impacted my financial well-being and overall quality of life. I kindly request your assistance in enforcing the appropriate legal measures to rectify these violations and alleviate the significant distress they have caused. 

I have identified multiple violations that have taken place under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations have stemmed from unauthorized credit pulls, inaccurate reporting of account information, questionable account details, and the presence of incorrect personal information on my credit report. These violations, along with their corresponding account information and relevant legal provisions, are outlined as follows : Unauthorized Credit Pulls : XACTUS | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized Credit Pull Relevant Law : FCRA, Section 604 and 605 XXXX  | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized Credit Pull Relevant Law : FCRA, Section 604 and 605 Inaccurate Reporting : XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 Questionable Account Information : XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violation : Questionable Account Information Relevant Law : FDCPA or FCRA, Sections 805, 808, 611, and 623 SYNCB/GAP Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violation : Questionable Account Information Relevant Law : FDCPA or FCRA, Sections 805, 808, 611, and 623 Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX This address belongs to someone else. Delete it from my report immediately. 
Violation : Incorrect Personal Information Relevant Law : FCRA, Section XXXX XXXX XXXX XXXX AZ XXXX This address belongs to someone else. Delete it from my report immediately. 
Violation : Incorrect Personal Information Relevant Law : FCRA, Section 607 These violations have not only tarnished my credit history but have also caused immense emotional distress, financial strain, and hindered my ability to secure crucial loans and financial opportunities. I would like to share a deeply personal story of how these violations have adversely impacted my life. 
In light of these violations and the considerable toll they have taken on my life, I earnestly request the following actions to be taken : Enforcement of Legal Measures : I implore you to enforce the relevant legal provisions to address the violations committed by the creditors listed above. 
Investigation and Verification : I request a thorough investigation into the accuracy and legality of the information reported by the creditors in question.

Removal of Unverified Accounts : I insist that the creditors promptly remove the unverified accounts listed above from my credit report. 
I believe that my situation warrants immediate attention and resolution. These violations have caused substantial harm, and I am relying on the Consumer Financial Protection Bureau to ensure that justice is served and my rights as a consumer are upheld. 

Thank you for your time, attention, and consideration of my dispute. I trust that you will take the necessary steps to rectify these violations and help me regain control over my financial standing. I look forward to your prompt response and the resolution of these issues. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief