Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and request enforcement of my legal rights in relation to inaccurate and unverified information on my credit report. The violations that I believe have occurred involve multiple creditors, as detailed below : DPT EDXXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments DPT EDXXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments CCB/MPRCC | XX/XX/XXXX - Account Number : N/A Violations : Unauthorized Inquiry, Lack of Verification, Refusal to Remove Suspected Fraudulent Inquiry The inaccuracies and unverified information on my credit report have had a profound impact on my financial standing and overall well-being. I have faced considerable emotional distress and financial setbacks due to these violations. I am sharing a personal story that demonstrates the gravity of the harm caused by these inaccuracies. 

Several years ago, I embarked on the journey of securing a mortgage to provide my family with our dream home. As a diligent and responsible individual, I was shocked to discover inaccurate late payment information on my credit report. Despite my best efforts to rectify the situation, the same errors persist, impeding my aspirations and causing immense frustration. The emotional toll of these inaccuracies has been overwhelming, and they have significantly disrupted my family 's future plans. 

I implore the Consumer Financial Protection Bureau to uphold my legal rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. The violations committed by the creditors have not only inflicted financial harm but also deep emotional distress. I respectfully request the following actions : Conduct a thorough investigation into the inaccuracies and unverified information associated with the specified account numbers, as detailed above.

Enforce the pertinent provisions of the FCRA, such as Section 1681e ( b ) and Section 1681i ( a ), to ensure accurate reporting and timely correction of errors by the creditors. 
Facilitate the removal of unverified accounts from my credit report to restore my financial reputation and provide an equitable evaluation of my creditworthiness. 
I sincerely hope that the Consumer Financial Protection Bureau recognizes the significance of safeguarding consumers from such violations and ensuring their rights are upheld. The journey to address these issues has been laden with challenges, emotional strain, and frustration. By taking decisive action, you can contribute to rectifying my financial well-being and offering resolution to the distress I have experienced. 

Thank you for your consideration of this matter. I eagerly await your response and the resolution of these disputes. 

Sincerely, XXXX XXXX