Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you in good health. I am writing to request your assistance in addressing a matter that has had a profound and distressing impact on my life. I seek your intervention and enforcement of my legal rights in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

**Violation 1 : Failure to provide a valid reason for the requested removal. ** Over the past months, I have been tirelessly working to resolve inaccuracies in my credit report. The unverified accounts reported by several creditors have severely affected my ability to secure financing, obtain housing, and even secure employment. This has been more than a financial burden ; it has been an emotional and psychological ordeal. 

1. XXXX XXXX  - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 2. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 3. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 4. XXXX XXXX XX/XX/XXXX - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 5. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.

- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 6. XXXX XXXX SC - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 7. XXXX XXXX XX/XX/XXXX - Account number XXXX XXXX XXXX  Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 8. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 9. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.

- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 10. XXXX XXXX XXXXXX/XX/XXXX XXXX Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 11. XXXX XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 12. *XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX  - Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 13. XXXX XXXX XXXXXX/XX/XXXX - Account number : XXXX XXXX  Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 14. XXXX XXXX XXXX XXXX XX/XX/XXXX - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.

- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 15. XXXX XXXX XXXX XXXX XX/XX/XXXX - Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 16. XXXX XXXX | XX/XX/XXXX - Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 17. XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal. 
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 18. XXXX - Account number : XXXX - Violation : Duplicate entry ; listed twice. 
- FCRA Violation : Accuracy and completeness of the information. 

19. XXXX - Account number : XXXX - Violation : Duplicate entry ; listed twice. 
- FCRA Violation : Accuracy and completeness of the information. 

I want to share with you a personal story to underscore the emotional toll this situation has taken on my life. Last year, I applied for a mortgage to fulfill my lifelong dream of owning a home for my family. However, due to these inaccuracies in my credit report, my mortgage application was denied, and my dream was shattered. I had to explain to my young children why we couldn't move into the house they had eagerly anticipated as our new home. The disappointment in their eyes was heartbreaking. 

I have spent countless hours on the phone, writing letters, and submitting disputes to correct these inaccuracies to no avail. My financial future, my family 's well-being, and my mental health have all suffered as a result of these unverified accounts and duplicate entries on my credit report. 

In light of the aforementioned violations and the profound impact on my life, I kindly request that you take swift and decisive action to enforce my legal rights under the FCRA and FDCPA. Specifically, I urge you to compel the creditors to remove these unverified accounts from my credit report, thereby restoring my financial stability and peace of mind. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I am hopeful that your intervention will bring about the resolution and justice I so desperately seek. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX