Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/1971 To Whom It May Concern, I am writing this formal dispute to bring to your attention the significant and distressing violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by the creditors and reporting agencies involved. I am requesting your urgent assistance in enforcing the applicable laws and rectifying the inaccurate and unverified information on my credit report.

Personal Story : The impact of these violations on my life has been profound, causing immense stress, anxiety, and hardship. As a hardworking individual, I have always strived to maintain a good credit standing, as it directly affects my ability to secure loans, obtain housing, and access financial opportunities. However, due to the inaccurate and unverified accounts on my credit report, I have faced numerous challenges that have affected my overall well-being.

One specific instance that stands out is when I applied for a mortgage to purchase a home for my family. Despite having a steady income and an otherwise strong credit history, my loan application was denied solely based on the inaccurate negative information reflected on my credit report. This unexpected denial shattered my dreams of providing a stable and comfortable home for my loved ones, leaving us in a state of uncertainty and disappointment. 



Moreover, the continuous presence of these unverified accounts has made it exceedingly difficult for me to obtain new lines of credit or secure favorable interest rates, hindering my financial growth and trapping me in a cycle of limited opportunities. This situation has caused ongoing stress, sleepless nights, and a sense of powerlessness over my financial future. 



Violations and Relevant Sections of FCRA : XXXX XXXX Apartments/ DTN Account Number : XXXX Violation : Failure to verify accuracy and ownership of the reported account upon dispute. 

Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy, subsections ( a ) and ( b ). 



XXXX & XXXX Account Number : XXXX Violation : Reporting inaccurate information that negatively impacts the consumer 's credit. 

Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies, subsection ( a ) ( XXXX ) ( A ). 



XXXX & XXXX Account Number : XXXX Violation : Reporting questionable information without proper verification. 

Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies, subsection ( a ) ( 1 ) ( A ). 



XXXX XXXX XXXX Account Number : XXXX Violation : Failure to verify accuracy and ownership of the reported account upon dispute. 

Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy, subsections ( a ) and ( b ). 



XXXX XXXX Account XXXX : XXXX Violation : XXXX questionable information without proper verification. 

Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies, subsection ( a ) ( 1 ) ( A ). 



XXXX XXXX Account XXXX : XXXX Violation : XXXX inaccurate information that negatively impacts the consumer 's credit. 

Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies, subsection ( a ) ( 1 ) ( A ). 



XXXX Bank Account XXXX : XXXX Violation : Reporting inaccurate information that negatively impacts the consumer 's credit. 

Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies, subsection ( a ) ( XXXX ) ( A ). 



XXXX XXXX XXXX  XXXX XXXX. 

Account XXXX : XXXX Violation : Failure to verify accuracy and ownership of the reported account upon dispute. 

Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy, subsections ( a ) and ( b ). 



Resolution Request : In light of the violations outlined above, I request the immediate removal of the aforementioned unverified accounts from my credit report. I urge the Consumer Financial Protection Bureau ( CFPB ) to enforce the relevant sections of the Fair Credit Reporting Act ( FCRA ) to rectify these inaccuracies and restore my credit history to reflect the accurate and verified information. 



I appreciate your attention to this matter and the pivotal role the CFPB plays in safeguarding consumer rights. I look forward to a swift resolution of this dispute and the restoration of my financial integrity. 



Sincerely, XXXX XXXX