Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Sir/Madam, I am writing to formally lodge a dispute with regard to several accounts on my credit report that have been reported inaccurately, leading to severe negative consequences in my personal and financial life. I humbly request your intervention in enforcing my legal rights and rectifying the unjust damage caused by these inaccuracies. The emotional toll and hardships I have experienced due to these errors have been substantial, and I hope that my story will illuminate the urgency of this matter. As someone who has always been diligent in managing my finances, I was shocked to discover that my credit report contained several unverified and inaccurate accounts. The discrepancies in reporting are not only glaring but also have a significant impact on my creditworthiness. This situation has affected my ability to secure favorable loan terms, rent an apartment, and even pursue professional opportunities. The toll it has taken on my emotional well-being is immeasurable, as I constantly worry about the implications these inaccuracies hold for my future. One particular incident that encapsulates the distress caused by these inaccuracies is the recent denial of a mortgage application. My dream of homeownership was shattered when my application was declined due to these erroneous entries on my credit report. The weight of this rejection has been immense, as it not only undermines my financial aspirations but also dampens my hopes for providing stability and comfort to my family. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Inaccurate Reporting ( FCRA, 623 ) I have also noticed that there are inaccurate addresses associated with my credit report. The addresses listed on my credit report are as follows : XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ' XXXX XXXX XXXX XXXX XXXX TX XXXX ' I wish to clarify that these addresses are incorrect and do not correspond to my actual residences. I am deeply concerned that such inaccuracies can lead to confusion and impact my ability to receive crucial financial communications. 
FCRA ( Fair Credit Reporting Act ) : Violation : Inaccurate Reporting ( 623 ) FDCPA ( Fair Debt Collection Practices Act ) : Violation : Misleading or Deceptive Practices ( 807 ) FACTA ( Fair and Accurate Credit Transactions Act ) : Violation : Accuracy of Information ( 312 ) TILA ( Truth in Lending Act ) : Violation : Inaccurate Loan Information ( 1641 ) RESPA ( Real Estate Settlement Procedures Act ) : Violation : Inaccurate Loan Servicing Information ( 1024.38 ) ECOA ( Equal Credit Opportunity Act ) : Violation : Inaccurate Denial Information ( 1002.9 ) FCBA ( Fair Credit Billing Act ) : Violation : Inaccurate Billing Information ( 1666 ) I implore the Bureau to take immediate action to address these violations and to ensure the removal of these unverified accounts from my credit report. The emotional turmoil, setbacks, and life-altering effects I have endured because of these errors are untenable. Your assistance in resolving this matter will not only rectify my financial situation but will also restore my faith in the credit reporting system. 
Thank you for your attention to this matter. I kindly request a prompt response detailing the actions taken to address these violations and the resolution process moving forward. 
Sincerely, XXXX XXXX