Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing this letter to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors. I am seeking your intervention and enforcement of the law to address the following issues : Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( XXXX ) ( B ) ) : Creditor : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX  Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX  Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX A Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX COMP Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXXXXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX  Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX  Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXXXXXX XXXX Account Number : XXXX This unfortunate situation has had a profound impact on my life, causing immense emotional distress, financial instability, and sleepless nights filled with XXXX I have always been diligent in managing my finances and maintaining a good credit history. However, the inaccuracies and unauthorized credit inquiries on my credit report have led to numerous problems, affecting my ability to secure loans, obtain affordable insurance rates, and even find suitable housing. 



The stress and frustration I have experienced are immeasurable. Despite my efforts to rectify these errors, the creditors have failed to provide satisfactory responses or remove the unverified accounts from my credit report. I have reached out to the creditors multiple times, disputing the inaccuracies and unauthorized inquiries, but my pleas have gone unanswered. 



Furthermore, the impact of these violations extends beyond mere inconvenience. I had been planning to buy a home to provide stability and a secure environment for my family. However, due to the tarnished credit caused by these errors, my dream of homeownership has become unattainable, leaving my family 's future uncertain. 



I request your immediate intervention to enforce the FCRA and ensure that the creditors rectify these violations promptly. I demand that all unverified accounts and unauthorized inquiries be removed from my credit report, and that accurate and updated information be reported in compliance with the law. 



I am counting on your expertise and dedication to protecting consumers like me from unfair and deceptive practices. Your swift action will not only restore my faith in the credit reporting system but also provide a much-needed sense of relief and justice. 



Enclosed with this letter are copies of my credit reports and supporting documents related to the inaccuracies and unauthorized inquiries, further demonstrating the urgency and severity of these violations. 



I sincerely hope that the Consumer Financial Protection Bureau will prioritize my case and diligently investigate the matters raised in this dispute. I look forward to a prompt resolution that upholds the principles of fairness, accuracy, and consumer protection that the FCRA was designed to enforce. 



Thank you for your attention to this matter, and I eagerly await your response and resolution. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief