Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of utmost importance, one that has had a profound and deeply unsettling impact on my life. I respectfully request your intervention in enforcing the legal rights that protect consumers like myself from unfair and inaccurate reporting by creditors. My ordeal centers around multiple credit reporting violations by various creditors, which I believe require immediate attention and resolution. 

Before delving into the specifics, allow me to share with you the deeply personal and emotionally charged consequences of these credit reporting violations. The weight of these inaccuracies has taken a significant toll on my life, affecting not only my financial well-being but also my emotional and mental health. 

As I watched my credit score plummet due to the inclusion of unverified accounts on my credit report, I felt an overwhelming sense of helplessness. These inaccuracies have restricted my ability to secure favorable interest rates on loans, obtain credit for essential needs, and even negatively impacted my chances of securing housing and employment opportunities. 

I vividly recall the day when I applied for a much-needed loan to support my child 's education. Despite my financial stability and responsible credit management, I was met with rejection and exorbitant interest rates due to the inaccuracies on my credit report. The realization that my child 's future was being compromised due to these inaccuracies filled me with frustration, anger, and despair. 

Furthermore, the constant harassment by debt collectors seeking repayment for debts I have contested only added to my distress. The violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) compounded the already heavy emotional burden I was carrying. 

Now, as I navigate through the complexities of life, these unverified accounts loom like a dark cloud over my head. They have shaken my confidence, hindered my dreams, and created an environment of perpetual anxiety. It has become an arduous task to regain my financial footing and rebuild my life, all due to these credit reporting violations. 

With this in mind, I humbly request that the Consumer Financial Protection Bureau takes immediate action to enforce the legal rights afforded to consumers under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant statutes. The violations that have occurred, including inaccurate reporting, failure to validate debts, and improper debt collection practices, must be rectified promptly. 

Specifically, I kindly request that the CFPB ensures the removal of the following unverified accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inaccuracies have inflicted immeasurable harm on my life, and I implore the CFPB to exercise its authority in ensuring that my rights are upheld and that justice prevails. 

I appreciate your attention to this matter and trust in the commitment of the Consumer Financial Protection Bureau to protect consumers from unjust practices in the financial industry. I eagerly await your prompt resolution of this dispute and the removal of these unverified accounts from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief