Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to raise a formal dispute and seek your assistance in enforcing my legal rights as a consumer. I have encountered multiple instances of apparent violations that have negatively impacted my credit report and financial well-being. Through this letter, I hope to provide you with a detailed account of the violations I have experienced and to share a personal story of how these issues have profoundly affected my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered a late payment entry on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX This late payment entry has caused significant distress for me, as I have always been diligent in maintaining a timely payment history. This violation, which I believe is in contravention of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), has affected my ability to secure favorable terms on credit, leading to increased financial strain. 

XXXX XXXX XXXX XXXX XXXX - Inquiries Inquiries by XXXX XXXX XXXX on my credit report, dated XXXX are particularly troubling. These inquiries were made without my explicit consent and without any legitimate reason. I am of the understanding that such actions are in violation of Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), which outlines the permissible purposes of consumer reports. The unauthorized inquiries have contributed to an unnecessary decrease in my credit score, causing additional hardship for me. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Similarly, inquiries made by XXXX XXXX XXXX XXXX XXXX have further compounded the negative impact on my credit score and financial well-being. These inquiries appear to be in breach of Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), undermining the accuracy and fairness of my credit report. 

XXXX XXXX XXXX XXXX XXXX - Inquiries The inquiries by XXXX XXXX XXXX XXXX XXXX have had similar adverse effects on my credit profile. These actions seem to disregard the provisions of Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), which exist to protect consumers from unwarranted and unauthorized inquiries that can significantly harm their creditworthiness. 

Address Discrepancies- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have observed multiple instances of address discrepancies in my credit report. The addresses listed, includinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and not associated with me. I believe these discrepancies are a breach of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations. These inaccuracies have further contributed to the inaccuracies in my credit report, impeding my access to essential financial resources. 

Personal Story : Allow me to share a personal story that underscores the profound impact these violations have had on my life. As a single parent working tirelessly to provide for my family, maintaining a strong credit profile is crucial for securing stable housing, favorable interest rates, and the overall financial stability that my loved ones deserve. The stress and anxiety caused by these violations have taken an emotional toll on my well-being. My efforts to create a secure future for my family are being jeopardized by factors beyond my control, leaving me in a state of constant worry. 

In light of the above, I kindly request the Consumer Financial Protection Bureau 's intervention to rectify these violations and enforce my legal rights as a consumer. I urge you to ensure that the creditors promptly remove the unverified accounts from my credit report, as well as any associated negative impacts on my credit score. Your assistance in resolving these matters will greatly alleviate the distress I have been enduring and provide me with the opportunity to rebuild my financial stability. 

I appreciate your attention to this matter and look forward to a timely resolution. Please find enclosed copies of relevant documentation supporting my claims. 

Thank you for your consideration. 

Sincerely, XXXX XXXX