Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: AZ
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 XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to lodge a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) concerning a series of egregious credit reporting violations that have significantly impacted my financial well-being and overall quality of life. I kindly urge your intervention to address these violations and to enforce the relevant legal measures to rectify this situation. The violations encompass unauthorized credit inquiries, inaccurate reporting, and the inclusion of unverified accounts on my credit report. These infractions have not only strained my financial health but have also inflicted considerable emotional distress. 

Unauthorized Credit Inquiries and Inaccurate Reporting : Unauthorized Inquiry - XXXX ( XX/XX/XXXX ) : Violation : Unauthorized credit inquiry ; Fair Credit Reporting Act ( FCRA ) Section 604 - Permissible purposes of consumer reports. 

Unauthorized Inquiry - XXXX XXXX ( XX/XX/XXXX ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. 

Unauthorized Inquiry - XXXX ( XX/XX/XXXX ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. 

Unauthorized Inquiry - XXXX ( XX/XX/XXXX ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. 

Unauthorized Inquiry - XXXX ( XX/XX/XXXX ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. 

Unauthorized Inquiry - XXXX XXXX ( XX/XX/XXXX ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. 

Inaccurate Reporting - XXXX  ( Account Number : XXXX ) : Violation : Reporting inaccurate payment history ; FCRA Section 607 - Compliance procedures regarding accuracy and integrity of information. 

Inaccurate Reporting - XXXX XXXXXXXX ( Account Number : XXXX ) : Violation : Reporting inaccurate payment history ; FCRA Section 607 - Compliance procedures regarding accuracy and integrity of information. 

Unverified Accounts on My Credit Report : Unverified Account - XXXX ( Account Number : XXXX ) : Violation : Unverified account ; Fair Debt Collection Practices Act ( FDCPA ) Section 807 - False or misleading representations. 

Unverified Account - XXXX  ( Account Number : XXXX ) : Violation : Unverified account ; FDCPA Section 807 - False or misleading representations. 

Unverified Account - XXXX XXXX ( Account Number : XXXX ) : Violation : Unverified account ; FDCPA Section 807 - False or misleading representations. 

Personal Impact : These violations have far-reaching consequences, extending beyond mere financial implications. Allow me to share a deeply personal narrative that underscores the emotional turmoil caused by these violations. As a single parent, my aspiration to provide a secure future for my child has driven my every endeavor. The pinnacle of this dream was homeownership, a symbol of stability and comfort. Regrettably, the inaccuracies and unverified accounts on my credit report have transformed this dream into an agonizing challenge. The inability to secure favorable financing has shackled my family to rented accommodations, perpetuating a cycle of uncertainty, anxiety, and sleepless nights. This ordeal not only jeopardizes our financial security but has also sapped our emotional strength, diminishing the prospect of a better future. 

Request for Action : In light of the documented violations and the distressing impact on my life, I implore the Consumer Financial Protection Bureau to exercise its authority and rectify these violations. I urgently request the removal of unauthorized credit inquiries, the correction of inaccurate reporting, and a thorough investigation into the unverified accounts. I believe in the power of consumer protection laws to ensure equitable and just financial practices. 

By addressing these violations, you not only assist in restoring my financial stability but also uphold the integrity of credit reporting systems for all consumers. I appreciate your attention to this matter and anticipate a comprehensive resolution that safeguards consumer rights and promotes financial fairness. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation