Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial well-being and overall quality of life. I am requesting your intervention and assistance in ensuring that these legal violations are addressed promptly.

The violations I am disputing are as follows : Incorrect Reporting of Personal Information : Violation : FCRA Section 605B - Accuracy of Reportings Explanation : The current and previous addresses listed on my credit report are inaccurate, as detailed below : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect addresses have caused confusion and hindered my ability to secure important financial transactions, such as applying for loans or leases. Despite my repeated efforts to correct this information, it remains unresolved. 
Unauthorized Inquiries : Violation : FCRA Section 604 - Permissible purposes of consumer reports Explanation : I have been subject to multiple unauthorized inquiries, including those by the following creditors : XXXX ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX  ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX  ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
These inquiries were conducted without my consent and have negatively impacted my creditworthiness, causing undue stress and concern over my financial security.

Questionable Account Reporting : Violation : FCRA Section 607 - Responsibilities of furnishers of information to consumer reporting agencies Explanation : An account listed under the name " XXXX '' with account number XXXX is present on my credit report. This account information is questionable and has raised concerns about the accuracy and legitimacy of the reported data. Despite my efforts, I have not received any clarification or verification regarding this account. 
Inaccurate Account Reporting : Violation : FCRA Section 607 - Responsibilities of furnishers of information to consumer reporting agencies Explanation : The account from XXXX XXXX, with account number XXXX, has been inaccurately reported as having a history of late payments. This misinformation has unfairly damaged my credit reputation and has created obstacles when attempting to secure credit or loans. This account has never been paid late to the best of my knowledge, and I urge for its immediate correction. 
This situation has had a profound impact on my life, extending far beyond the realms of finance. For instance, I recently found myself unable to secure a favorable interest rate for a home mortgage due to the inaccuracies in my credit report. As a result, my family 's dream of owning a home has been delayed, and we continue to face uncertainty and instability. 

The emotional toll of these violations can not be understated. The constant stress and XXXX  of dealing with these inaccuracies have strained my mental and emotional well-being. The financial hardship, coupled with the daily struggle to rectify these violations, has taken a toll on my relationships and overall quality of life. 

I implore the Consumer Financial Protection Bureau to intervene and enforce the legal protections that the Fair Credit Reporting Act provides. Specifically, I request the following actions : Enforce the removal of the inaccurate current and previous addresses from my credit report. 
Investigate and ensure the removal of unauthorized inquiries by the mentioned creditors from my credit report. 
Request clarification and verification regarding the questionable account listed under " XXXX '' with account number XXXX. 
Rectify the inaccurate reporting of the XXXX XXXX account ( account number XXXX ) to accurately reflect its payment history. 
Your intervention is crucial to restoring my financial integrity and emotional well-being. I kindly request a swift resolution to this matter, as it has had a cascading effect on various aspects of my life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these violations and provide me with the peace of mind and financial security I deserve. 

Sincerely, XXXX XXXX XXXX