Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CA
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my credit report and overall financial well-being. The violations pertain to various federal laws designed to protect consumers such as myself, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection regulations. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) enforce these laws to rectify the damaging consequences I have been enduring. 

The inaccuracies and unauthorized inquiries on my credit report have cast a shadow on my financial history, causing untold emotional and financial distress. As a dedicated consumer, I have always taken my financial responsibilities seriously. The errors and unauthorized inquiries detailed below have not only been erroneous but have also gravely affected my financial reputation : FCRA Violation : Inaccurate Reporting by XXXX XXXX : Account Number : XXXX Violation : FCRA Section 623 The inaccurate reporting of this account 's payment history has unjustly marred my credit report. As a responsible individual, I have consistently met my financial obligations, and the false representation of my payment history is causing unwarranted hardships. This situation has even hindered my ability to secure favorable credit terms, impacting major life decisions. 
FDCPA Violation : Unauthorized Inquiries : XXXX : Date of Inquiry : XX/XX/XXXX XXXX  : Date of Inquiry : XX/XX/XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX  : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  : Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiries The unauthorized inquiries listed above were conducted without my consent or knowledge, infringing upon my right to control access to my credit information. These inquiries, which I never authorized, have caused confusion and suspicion regarding my creditworthiness. 
As a diligent consumer, I've experienced firsthand the emotional turmoil that accompanies the ordeal of rectifying these violations. The anxiety of being denied credit due to erroneous reporting has left me feeling powerless and frustrated. I've faced difficulties in securing favorable terms for a home loan, and the very foundations of my financial stability have been shaken. 

In light of the aforementioned violations, I implore the CFPB to enforce the legal rights that safeguard consumers like myself. I request that the concerned creditors promptly investigate and rectify these violations. Specifically, I urge the removal of the unverified accounts and inquiries from my credit report, allowing me to rebuild my financial standing and restore my peace of mind. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and appropriate action to rectify these violations and protect the rights of consumers. I look forward to a favorable resolution that will restore my confidence in the integrity of the credit reporting system. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation