Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to you today with a heavy heart and a profound sense of urgency, seeking your assistance in enforcing my legal rights and rectifying an issue that has had a devastating impact on my life. 

I have diligently reviewed and complied with the necessary steps outlined by the Consumer Financial Protection Bureau ( CFPB ) to address the violations I am facing under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Regrettably, despite my sincere efforts, my financial situation continues to deteriorate, and my emotional well-being has suffered immeasurably as a result of the actions taken by certain creditors. 

Violations : Failure to Provide Valid Account Numbers for Verification or Dispute ( FCRA Section 611 ) : XXXX | XX/XX/XXXXXXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XX/XX/XXXX Failure to Provide Accurate and Complete Information ( FCRA Section 623 ) : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX These violations have not only impacted my financial stability but have also taken a toll on my overall well-being. To illustrate the gravity of the situation, I'd like to share a personal story of how these violations have affected my life : Due to the inaccuracies on my credit report caused by these unverified and inconsistent account details, my credit score has plummeted. This has had a cascading effect on my ability to secure affordable housing, obtain loans for essential needs, and even pursue educational opportunities. The stress and XXXX associated with these financial setbacks have been overwhelming, causing sleepless nights, strained relationships, and a sense of hopelessness that I never imagined I would experience. 

I am not merely a statistic ; I am a hardworking individual who has been diligently striving to provide a better future for myself and my family. However, the roadblocks created by these creditors ' actions have made it exceedingly difficult to progress toward financial stability and personal fulfillment. 

In light of these severe violations and the undeniable consequences they have inflicted upon my life, I respectfully request the following actions : Enforcement of Legal Rights : I implore the Consumer Financial Protection Bureau to enforce the provisions of the FCRA ( Section 611 and Section 623 ) and the FDCPA to hold these creditors accountable for their actions. 

Removal of Unverified Accounts : I kindly request that the creditors mentioned above promptly remove the unverified accounts from my credit report to rectify the harm that has been done and restore my financial standing. 

I understand the importance of fair and accurate credit reporting not only for my own well-being but for the countless individuals who may find themselves in similar circumstances. Your intervention in this matter is crucial not only to my personal recovery but also to upholding the principles of fairness and justice that our society holds dear. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief