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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share a deeply personal story that illustrates the profound impact of these violations on my life. 

Violations and Accounts : The following violations have occurred, and I am seeking resolution and enforcement of my rights : Unauthorized Inquiries/Fraudulent Inquiries : Account : XXXX ( XX/XX/XXXX ) Account Number : N/A FCRA Section 604 Inaccurate Reporting of Unverified Accounts : Account : XXXX Account Number : XXXX FCRA Section 609 Account : XXXX ( XXXX ) FCRA Section 609 Account : XXXX XXXX ( XXXX ) FCRA Section 609 Account : XXXX XXXX XXXX XXXX FCRA Section 609 Account : XXXX ( XXXX ) FCRA Section 609 Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) FCRA Section 609 Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Address ) FCRA Section 609 Failure to Investigate Disputes Promptly : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : N/A FCRA XXXX XXXX Failure to Provide Verification of Debts : Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX  Account Numbers : XXXX XXXX XXXX, XXXX, XXXX, XXXX FCRA Section 809 Deceptive and Misleading Practices : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX XXXX, XXXX FCRA Section 807 Personal Story : The erroneous information on my credit report has had a devastating impact on my life. It has affected my ability to secure housing, obtain credit for essential needs, and even jeopardized my employment prospects. Allow me to illustrate the emotional turmoil and hardship that I have endured due to these violations.

Last year, I applied for a rental apartment in a safe neighborhood with excellent schools for my children. Despite having a stable income and a history of responsible financial behavior, my application was denied due to the inaccuracies on my credit report. The inclusion of accounts that do not belong to me and unauthorized inquiries gave the impression that I was a credit risk, which was far from the truth.

The denial of that apartment rental left my family in a dire situation. We were forced to live in a less desirable area with limited access to quality education for my children. The stress and emotional toll this situation has taken on my family have been immeasurable. I have struggled to explain to my children why we couldn't live in the neighborhood we had hoped for, and their disappointment has been heartbreaking.

Furthermore, I recently lost a job opportunity because the potential employer conducted a credit check as part of their hiring process. The inaccurate information on my credit report portrayed me as financially irresponsible, causing them to choose another candidate.

These violations have not only impacted my financial stability but have also caused severe emotional distress, humiliation, and embarrassment. I implore you to enforce my legal rights under the FCRA and help me remove these unverified accounts from my credit report.

Request for Resolution : I kindly request that the CFPB intervenes and works diligently to ensure that the creditors in question promptly remove these unverified accounts from my credit report. I believe that the enforcement of the FCRA and relevant consumer protection laws is essential to protect the rights and well-being of consumers like myself.

I appreciate your attention to this matter and the critical role the CFPB plays in safeguarding consumer rights. Please let me know the steps that will be taken to address these violations and assist me in rectifying this situation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief