Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/ SS # : XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. I am writing to bring to your attention a matter of utmost importanceone that has had profound, far-reaching consequences on my life, well-being, and financial stability. I humbly request your intervention and support to rectify the numerous violations of consumer protection laws that have plagued my existence and left me in a state of emotional turmoil. 

The violations I wish to address, as previously documented, are as follows : FCRA Violation - Incorrect Personal Information : Creditor : EMPLOYER : XXXX XXXX XXXX Account Number : [ Account Number ] Relevant FCRA Section : 1681e ( b ) Explanation : The creditor reported incorrect personal information, including my name and possibly other details, which violates the accuracy requirement of the FCRA. 
FCRA Violation - Incorrect Previous Address : Creditor : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account Number : [ Account Number ] Relevant FCRA Section : 1681e ( b ) Explanation : The creditor reported incorrect previous addresses on my credit report, which also violates the accuracy requirement of the FCRA. 
FCRA Violation - Incorrect Employer Information : Creditor : EMPLOYER : XXXX XXXX XXXX Account Number : [ Account Number ] Relevant FCRA Section : 1681e ( b ) Explanation : The creditor reported incorrect employer information, which is a violation of the FCRA 's accuracy requirement. 
FCRA Violation - Incorrect Employer Information : Creditor : EMPLOYER : XXXX XXXX Account Number : [ Account Number ] Relevant FCRA Section : 1681e ( b ) Explanation : The creditor reported incorrect employer information, which is a violation of the FCRA 's accuracy requirement. 
FCRA Violation - Incorrect Previous Address : Creditor : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX Account Number : [ Account Number ] Relevant FCRA Section : 1681e ( b ) Explanation : The creditor reported incorrect previous addresses on my credit report, which also violates the accuracy requirement of the FCRA. 
FCRA Violation - Incorrect Previous Address : Creditor : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account Number : [ Account Number ] Relevant FCRA Section : 1681e ( b ) Explanation : The creditor reported incorrect previous addresses on my credit report, which also violates the accuracy requirement of the FCRA. 
FCRA Violation - Failure to Remove Inaccurate Information : Creditor : XXXX Account Number : XXXX Relevant FCRA Section : 1681i ( a ) ( 1 ) ( A ) Explanation : The creditor, XXXX, failed to remove inaccurate information from my credit report after I disputed it, which violates the FCRA 's requirement to promptly correct or delete inaccurate information. 
FCRA Violation - Failure to Provide Validated Debt Information : Creditor : XXXX XXXX Account Number : XXXX Relevant FCRA Section : 1681s-2 ( a ) ( 1 ) ( B ) Explanation : The creditor, XXXX XXXX , failed to provide validated debt information as requested, which is a violation of the FCRA 's requirements regarding the accuracy and completeness of information. 
Allow me to convey the profound impact of these violations on my life through a personal story : For years, I diligently saved and planned for the ultimate milestone of my lifebuying my first home. I envisioned a place where my family could thrive, create cherished memories, and find a sense of belonging. After years of hard work and sacrifices, I finally stood on the precipice of realizing this dream. 

In the early stages of my mortgage application process, I received a shock that sent tremors through my world. My credit report, the measure of my financial responsibility, was marred by inaccuracies beyond my control. These inaccuracies led to higher interest rates, more stringent loan terms, and, at times, flat-out denials of my mortgage applications. 

The weight of this setback, this betrayal of my dreams, is difficult to put into words. It felt as though the very foundation of my aspirations had been torn apart. Sleepless nights became a norm as I grappled with the prospect of not being able to provide my family with the stable home they deserved. 

The emotional toll this ordeal has taken on me is immeasurable. The stress and XXXX have been unrelenting, affecting my physical health and straining my relationships. The prospect of not being able to secure a home for my family has left me in a state of despair, and I find myself unable to enjoy the simple pleasures of life due to this looming uncertainty. 

Given the gravity of these violations and their profound effects on my life, I implore the Consumer Financial Protection Bureau to intervene and enforce the relevant consumer protection laws. Specifically, I humbly request the following actions : Conduct a thorough investigation into each of the violations to verify their accuracy and promptly remedy the inaccuracies. 
In accordance with the Fair Credit Reporting Act ( FCRA ), insist that the creditor XXXX remove the unverified account ( Account Number : XXXX ) from my credit report. 
Pursuant to the FCRA, ensure that the creditor XXXX XXXX provides the validated debt information as required. 
I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability. 

Thank you for your time, consideration, and compassion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation