Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Request for Immediate Removal of XXXXXXXX XXXX  from Credit Report I hope this message finds you well. I am writing to bring to your attention a pressing matter regarding the presence of XXXX XXXX on my credit report. I have discovered that XXXX XXXX has been inaccurately reporting my credit history, which is not only a violation of the Consumer Financial Protection Bureau ( CFPB ) guidelines but also has severe implications for my financial well-being. 
Account summary : XXXX XXXX XXXX XXXX Account holders : XXXX XXXX XXXX and XXXX XXXX Firstly, I would like to address the inconsistencies in my payment histories across the credit bureaus. Equifax indicates that I am current on my payments for this year, while my account status suggests that I am two payments or less past due. XXXX shows that I was late in XX/XX/XXXX, but my account status is marked as unknown. Additionally, XX/XX/XXXX and XX/XX/XXXX are reported as late. On XXXX, it is noted that I was late in XX/XX/XXXX and XX/XX/XXXX, but every month of XXXX is reported as on time, with the account status labeled as good. These discrepancies among the credit bureaus are perplexing and raise concerns about the accuracy and reliability of the information being reported. 

Furthermore, I am deeply troubled by XXXX XXXX 's failure to report my insurance claim coverage of {$19000.00}. It is disheartening to discover that such a significant financial aspect has been omitted from my credit reports. This omission not only misrepresents my financial standing but also deprives me of the benefits and opportunities that accurate reporting could provide. Also, about a little over {$8000.00} was already paid on the car and the balance never changed on the credit reports and not reporting the full balance at all from the {$28000.00} first balance. 

XXXX XXXX 's presence on my credit report is not based on any legitimate credit obligations or transactions on my part. I have never had any financial dealings with XXXX XXXX, and their inclusion on my credit report is entirely unwarranted and misleading. This inaccurate reporting has had a detrimental impact on my creditworthiness and has impeded my ability to secure credit and financial opportunities. 

As a victim of XXXX XXXX 's non-compliance with CFPB guidelines, I am deeply affected by these errors and their consequences. I am aware of XXXX XXXX 's history of non-compliance and disciplinary actions related to inaccurate reporting, as well as their previous consent orders with the CFPB. It is clear that their actions have had a negative impact on consumers like myself. 

Therefore, I kindly request your immediate intervention in rectifying this matter. I urge you to take prompt action to remove XXXX XXXX from my credit report, as their presence is unjust and damaging to my financial reputation. I expect that you will handle this issue with the seriousness it deserves and ensure that my credit report accurately reflects my credit history. 

I understand that resolving such matters can take time, but given the urgency and distress this situation has caused, I implore you to expedite the removal process. I kindly request that you keep me informed of the progress made in resolving this matter and provide updates on the actions taken to remove XXXX XXXX from my credit report. 

I appreciate your immediate attention to this urgent matter and your assistance in rectifying the inaccurate reporting by XXXX XXXX. Please understand the gravity of this situation and the significant impact it has on my financial well-being. I trust that you will address this matter swiftly and provide a resolution that restores the accuracy of my credit report. 

Thank you for your understanding and cooperation. I look forward to a prompt resolution. 

Yours sincerely, XXXX XXXX XXXX