Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and legitimacy of certain items on my credit report, as well as to raise concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) committed by the creditors involved. These matters have significantly impacted my financial well-being and personal life. I am seeking your assistance in addressing these issues and enforcing my rights under the law. 

Creditor Details and Violations : XXXX. XXXX XXXX : XXXX XXXX  **Account Number** : XXXX **Violations** : Potential violations of FCRA Sections 1681s-2 and 1681i.

2. [ Additional Creditor Details and Violations ] **Details of Violations and Personal Impact : ** Upon a recent review of my credit report, I came across several accounts that have raised concerns. Notably, the account labeled under the creditor " XXXX XXXX, '' with an account number of XXXX, has raised particular alarm. Despite my efforts, I can not identify or recognize this business, nor can I establish any connection with the alleged debt. This has prompted serious doubts about the accuracy and legitimacy of this account. 

My attempts to engage with the creditor and resolve this matter have been met with insufficient responses. I believe that the situations I am facing represent violations of my rights under the Fair Credit Reporting Act. Specifically, I believe the following sections have been violated : 1. **Section** : Fair Credit Reporting Act ( FCRA ) - **Subsection** : 1681s-2 - **Violation** : Failure to conduct a reasonable investigation of disputed information. 

XXXX. **Section** : Fair Credit Reporting Act ( FCRA ) - **Subsection** : 1681i - **Violation** : Failure to provide accurate information and properly investigate disputes. 

**Personal Impact : ** I would like to share a deeply personal narrative that underscores the emotional and financial impact that these situations have had on my life. As an individual who has consistently demonstrated responsible financial behavior, the sudden emergence of these unfamiliar accounts has thrown my life into turmoil. The uncertainty surrounding these matters has resulted in heightened stress and anxiety, threatening my financial stability and hindering my ability to secure favorable credit terms. 

The repercussions of these events have reached beyond finances, affecting my mental well-being and straining relationships within my family. The emotional toll of navigating this challenging period can not be overstated, and I find myself at a crossroads that necessitates swift resolution.

**Resolution Request : ** I humbly request that the Consumer Financial Protection Bureau utilize its authority to enforce relevant legal provisions and ensure that the creditors promptly address these violations. Specifically, I urge the creditors to remove the unverified accounts from my credit report, including the account labeled under the name " XXXX XXXX  '' with the account number XXXX. This course of action is indispensable in restoring my financial reputation and alleviating the XXXX XXXX that has accompanied this ordeal. 

Recognizing the pivotal role that the Consumer Financial Protection Bureau plays in safeguarding consumer rights, I wholeheartedly trust that your intervention will guide me towards a resolution that aligns with the principles of fairness and accuracy upheld by the Fair Credit Reporting Act. 

I extend my sincere gratitude for your attention to this matter. Eagerly awaiting your response and the subsequent steps toward resolving this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief