Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX : XX/XX/XXXX  Equifax NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT To Whom It May Concern, I am writing to formally dispute the inaccurate and unverified information currently present on my credit report once again, as well as to request your ( CFPB ) Intervention and enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The violations listed below have significantly impacted my financial standing and well-being. Fair Credit Reporting Act ( FCRA ) Violation 1 : Failure to provide accurate and verifiable information on the credit report. Violation 2 : Section 623 ( a ) ( 3 ) Failure To Enter Notice Of Dispute Violation 3 : FCRA Section 607 ( a ) ( 1 ) Reporting inaccurate information on the credit report.

Violation : FCRA Section 607 ( b ) Failure to update inaccurate information promptly. Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act ( FDCPA ) Implication : While the details I am providing do not directly involve debt collection practices, I truly believe that the Fair Debt Collection Practices Act ( FDCPA ) could potentially be applicable if the creditor has engaged in improper debt collection methods. Privacy Laws Violation : I must emphasize the profound impact that these violations have had on my life. The inaccuracies and unverified ( XXXX XXXX XXXX ) account on my credit report has resulted in unjust damage to my creditworthiness, restricting my access to essential financial opportunities. Equifax keeps stating that a investigation was done and that this account was verified.. but You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). This unverified XXXX XXXX has not only hindered my ability to secure loans and credit lines but has also undermined my efforts to provide for my family 's needs. To illustrate the personal and emotional toll these violations have taken, I would like to share a specific incident with you here today. As a result of the inaccuracies in my credit report, I was recently denied a mortgage application for a home that would have provided stability and security for my family. The disappointment and stress that followed have been overwhelming, as my family and I were left without the safe haven we had truly hoped for. This instance is just one of many that highlight the far-reaching consequences of the violations in question. Below, I have listed the account, account number, and corresponding violations : ( XXXX XXXX  ) Account XXXX  XXXX, - Failure to provide accurate and verifiable information on the credit report. 
( XXXX XXXX ) Account XXXX  XXXX : Violation : Reporting inaccurate information on the credit report. Violation : Failure to provide accurate and verifiable information on the credit report. 

Equifax- Violation section 623 ( a ) ( 3 ) - Failure to enter notice of dispute, Which was required 30 days after receiving my dispute which was clearly not done. Which is a violation of my rights. 

I implore you to enforce the protections granted to consumers like myself under the aforementioned laws. Specifically, I request that the creditor involved, namely ( XXXX XXXX XXXX ) Account XXXX  XXXX, be mandated to remove the unverified and inaccurate account from my credit report promptly. I am committed to upholding my responsibilities as a consumer and ensuring the accuracy and integrity of my credit profile. I kindly request your assistance in rectifying this distressing situation. Your ( CFPB ) intervention will not only provide me with a chance to rebuild my financial stability but will also reinforce the fundamental rights that safeguard consumers in our society. Thank you for your attention to this matter. I eagerly anticipate your prompt response and resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation