Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I write to you today with a heavy heart, as I endeavor to resolve a profoundly distressing matter that has cast a long and harrowing shadow over my life. My hope is that my story will resonate with you, not merely as a tale of financial hardship but as a testament to the anguish and uncertainty that erroneous credit reporting can inflict upon an individual. 

The violations I outline below, which have marred my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The repercussions of these violations have been nothing short of catastrophic, and I implore you to consider the emotional and financial distress they have inflicted upon me. 

Incorrect Personal Information : Violation : Incorrect Previous Address Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681s-2 ( b ) Unauthorized Inquiries : Violation : Unauthorized Inquiry by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 inaccuracies : Incorrect high balance Inaccurate date of last activity Reaged accounts Undated late payment Charge off listed as open Collection account with a limit Undated Late Pay and Charge Off Listed as Open Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681e ( b ), Section 1681s-2 ( a ) ( 5 ) The impact of these violations on my life has been nothing short of shattering. They have not only hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle, but have also decimated my sense of financial security. The toll on my emotions has been immeasurable ; it is a weight that I carry with me every day.

Imagine the despair of being denied a home loan, watching the dream of homeownership slip through your fingers, all because of erroneous information that paints an inaccurate picture of your financial responsibility. Picture the XXXX  of standing by, powerless, as you're denied the opportunity to provide a stable and secure environment for your family. 

These violations have done more than tarnish my credit score ; they have robbed me of peace of mind, affecting not only my financial well-being but my overall quality of life. My dreams have been deferred, and my ambitions stifled. This is not just a matter of financial rectification ; it is a plea for the restoration of hope, dignity, and the chance to build a brighter future. 

In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

I beseech you to act on my behalf, not merely as a matter of legal procedure, but as an affirmation of the ideals of justice and consumer protection that underpin the work of the Consumer Financial Protection Bureau. Please help me reclaim my life, my dreams, and my financial stability. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my faith in the integrity of the credit reporting system. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation