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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB : XX/XX/XXXXXXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to you today as a concerned consumer who has encountered grave injustices regarding the accuracy and impact of my credit report. I am seeking your assistance and intervention in enforcing the legal protections guaranteed under the Fair Credit Reporting Act ( FCRA ) and related regulations. 

The inaccuracies on my credit report have had a profound and distressing impact on my life. I would like to share a personal story to illustrate the devastating consequences of these violations. 

In light of the aforementioned violations of the FCRA and the grievous consequences they have wrought upon my life, I respectfully request the following actions : An immediate investigation into the inaccurate reporting of late payments and unauthorized credit inquiries on my credit report by the following creditors : An immediate investigation into the inaccurate reporting of late payments and unauthorized credit inquiries on my credit report by the following creditors : XXXX XXXX ( Account Number : XXXX ) Violation : Inaccurate reporting of late payments under FCRA Section 1681s-2 ( b ). 
XXXX ( Account Number : XXXX ) Violation : Inaccurate reporting of late payments under FCRA Section 1681s-2 ( b ). 
XXXX XXXX  ( Account Number : XXXX ) Violation : Inaccurate reporting of late payments under FCRA Section 1681s-2 ( b ). 
XXXX ( Account Number : XXXX ) Violation : Inaccurate reporting of late payments under FCRA Section 1681s-2 ( b ). 
XXXX ( Account Number : XXXX ) Violation : Inaccurate reporting of late payments under FCRA Section 1681s-2 ( b ). 
XXXX XXXX XXXX | XX/XX/XXXX ( Account Number : XXXX ) Violation : Unauthorized credit inquiry under FCRA Section 1681b ( f ). 
XXXX XXXX XXXX | XX/XX/XXXX ( Account Number : XXXX ) Violation : Unauthorized credit inquiry under FCRA Section 1681b ( f ). 
XXXX XXXX XXXX XXXX | XX/XX/XXXX ( Account Number : XXXX ) Violation : Unauthorized credit inquiry under FCRA Section 1681b ( f ). 
An enforcement of my legal rights under the FCRA to ensure that these creditors provide accurate and verifiable information on my credit report, as mandated by FCRA Section 1681e ( b ).

A request for the removal of any unverified accounts, inquiries, or inaccuracies from my credit report to rectify the damage that has been done to my financial standing, in accordance with FCRA Section 1681i.

An enforcement of my legal rights under the FCRA to ensure that these creditors provide accurate and verifiable information on my credit report.

A request for the removal of any unverified accounts, inquiries, or inaccuracies from my credit report to rectify the damage that has been done to my financial standing.

I implore the Consumer Financial Protection Bureau to take this matter seriously and ensure that the necessary steps are taken to correct these violations promptly. The integrity of the credit reporting system is paramount to the financial well-being of millions of consumers, and I believe that my case serves as a poignant example of the dire consequences that can result from its shortcomings.

Thank you for your attention to this matter, and I eagerly await your response and assistance in resolving these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation