Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX 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 request an investigation regarding several items on my credit report that appear to violate the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in ensuring that my credit report accurately reflects my financial history and status.

I have recently obtained a copy of my credit report and have identified multiple items that I believe to be in violation of the FCRA. The violations are as follows : Inaccurate Bankruptcy Entry Case Number : XXXX This entry inaccurately appears on my credit report and is not associated with me. I kindly request that this erroneous bankruptcy entry be promptly removed.

Violation : FCRA Section 1681e ( a ) - Accuracy Unauthorized Credit Inquiries a ) XXXX - Date of Inquiry : XX/XX/XXXX b ) XXXX  - Date of Inquiry : XX/XX/XXXX c ) XXXX  - Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing these credit inquiries and demand their removal as they were unauthorized.

Violation : FCRA Section 1681b ( f ) - Unauthorized Inquiry Inaccurate Account Information a ) XXXX XXXX XXXX - Account Number : XXXX b ) XXXX - Account Number : XXXX c ) XXXX  XXXX - Account Number : XXXX d XXXX XXXX XXXX  - Account Number : XXXX These accounts contain questionable information, either inaccurately associated with me or bearing incorrect account details. I urge you to either provide clarifications or remove these entries to ensure the accuracy of my credit report.

Violation : FCRA Section 1681e ( a ) - Accuracy Unrecognized Account XXXX XXXX XXXX - Account Number : XXXX I can not recognize this account, and I implore you to investigate its validity. If unable to verify its authenticity, I request the immediate removal of this account from my credit report.

Violation : FCRA Section 1681e ( a ) - Accuracy Unverified Account Details XXXX - Account Number : XXXX The account 's name and number raise doubts about its accuracy. I request either clarification of this information or the elimination of this account from my credit report.

Violation : FCRA Section 1681e ( a ) - Accuracy These inaccuracies have had a significant impact on my life, causing undue stress, emotional distress, and obstructing my ability to secure favorable terms for loans and financial transactions. For instance, during a recent attempt to secure a mortgage for my family 's first home, the presence of these inaccurate and unauthorized accounts resulted in higher interest rates and additional financial burdens. My dreams of providing a stable and comfortable living environment for my family were disrupted due to these errors. 

As someone who values financial responsibility and prides themselves on maintaining a respectable credit history, the presence of these violations on my credit report has been nothing short of devastating. I have diligently adhered to my financial obligations, and these inaccuracies misrepresent my efforts and character. This situation has caused sleepless nights, emotional distress, and a deep sense of helplessness. 

In light of these violations and their profound impact on my financial well-being and emotional state, I kindly request your intervention and enforcement of the legal protections afforded by the Fair Credit Reporting Act. I urge you to work with the relevant creditors and credit reporting agencies to ensure the prompt and accurate resolution of these issues. Specifically, I request that the unverified and inaccurate accounts mentioned above be removed from my credit report, restoring its accuracy and integrity. 

I am confident that your dedication to consumer protection and your commitment to upholding the law will lead to a fair and just resolution of this matter. I am grateful for your time and attention to this dispute and look forward to a positive outcome. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief