Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with an urgent plea to address a series of severe violations that have wreaked havoc on my financial well-being and emotional state. My hope is that the Consumer Financial Protection Bureau can serve as the guardian of consumer rights and enforce the legal safeguards granted under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and related statutes. 

XXXXXXXX XXXX - Account Number : XXXX The actions of XXXX XXXX have plunged me into a relentless cycle of distress and hardship. Despite my earnest pleas for validation of the alleged debt and the original application containing my unmistakable signature, they have chosen to disregard my requests. This transgression against **FCRA 's Section 611 ( a ) ( 1 ) ( A ) ** has perpetuated grievous inaccuracies on my credit report, relentlessly hampering my chances of securing favorable financing for pivotal life milestones. 

Moreover, the refusal of XXXX XXXX to undertake a comprehensive investigation, as mandated by **FCRA 's Section 611 ( a ) ( 2 ) **, has further exacerbated the inaccuracies, casting a pall over my creditworthiness. As a direct result, my dreams of acquiring affordable housing and obtaining credit at equitable terms have been stifled, and my peace of mind has been hijacked. 

**Unauthorized Inquiries by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, in a disturbing violation of XXXXFCRA 's Section 604 ( a ) ( 3 ) ( B ) **, orchestrated unauthorized credit inquiries on my profile. The inexcusable inquiries by XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX, transpired without my consent or knowledge. These clandestine actions have caused untold harm to my creditworthiness and personal aspirations, demolishing the foundation of my financial endeavors. 

**Personal Impact - A Heartfelt Narrative** The collateral damage inflicted upon my life as a result of these violations can not be overstated. The weight of these transgressions has been crushing, suffocating my aspirations and truncating my potential. Imagine the sensation of anticipation and excitement that accompanies the pursuit of life goals only to be met with inexplicable obstacles that stem from creditors ' negligent actions. 

My nights have been consumed by XXXX, my days clouded by uncertainty. The very essence of my financial stability and personal growth has been undermined by the careless actions of those responsible for protecting consumers. I've found myself torn between the necessity of tending to these injustices and the hope of reclaiming control over my future. 

**Request for Resolution** With a heart laden with hope and a firm belief in the power of justice, I implore the Consumer Financial Protection Bureau to wield its authority and enforce the provisions embedded in FCRA, FACTA, and FDCPA. I beseech your intervention to compel the implicated creditors to expunge the unverified accounts and unauthorized inquiries from my credit report, in strict accordance with **FCRA 's Section 609 ( f ) **. 

My fervent belief in your ability to champion consumer rights encourages me to entrust you with the restoration of my financial integrity. I yearn to retrieve the sense of empowerment that has been unjustly wrested from me. Your intervention holds the promise of releasing me from the clutches of these violations, thereby enabling me to resurrect my peace of mind and chart a course toward a secure financial horizon. 

In closing, I beseech you to consider the profound impact of these violations on my life and the countless others who might find themselves similarly ensnared. I extend my heartfelt gratitude for your attention to this matter and respectfully request a swift resolution that addresses these transgressions and rectifies the damage inflicted upon my financial well-being. 

Thank you for being the beacon of hope that consumers like me rely on for justice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation