Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to file a formal dispute and request the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The violations of these laws by the creditors listed below have had a profound and detrimental impact on my life. I hope that by sharing my personal story, you will understand the urgency and importance of addressing these violations. 

Violations by Creditors : DPT EDXXXX - Account number : XXXX Violation : Reporting inaccurate information on the credit report ( FCRA Section 1681e ). 
Violation : Reporting an account as updated when no changes have occurred ( FCRA Section 1681i ). 
Violation : Failure to remove incorrect late payments ( FCRA Section 1681i ). 
Violation : Repeatedly reporting the same incorrect information ( FCRA Section 1681i ). 
Violation : Not updating or correcting the account information as requested ( FCRA Section 1681s-2 ). 
DPT EDXXXX - Account number : XXXX Violation : Reporting inaccurate information on the credit report ( FCRA Section 1681e ). 
Violation : Reporting an account as updated when no changes have occurred ( FCRA Section 1681i ). 
Violation : Failure to remove incorrect late payments ( FCRA Section 1681i ). 
Violation : Repeatedly reporting the same incorrect information ( FCRA Section 1681i ). 
Violation : Not updating or correcting the account information as requested ( FCRA Section 1681s-2 ). 
XXXX Inquiry - XX/XX/XXXX Violation : Unauthorized inquiry on the credit report ( FACTA Section 605B ). 
Violation : Request for immediate removal due to potential fraud ( FACTA Section 605B ). 
XXXX - Account number : XXXX Violation : Request to remove the account from the credit report ( FCRA Section 1681e ). 
Violation : Request to verify payment status, balance, comments, payment history, and account number as they might be incorrect ( FCRA Section 1681i ). 
Violation : Request to fix or delete this account from my report completely ( FCRA Section 1681i ). 
Address - Account number : XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect personal information, including the address belonging to someone else. Request to delete it from my report immediately ( FCRA Section 1681e ). 
Impact on My Life : The inaccuracies and violations perpetrated by these creditors have been nothing short of devastating. As a result of their actions, my credit report reflects false information that has adversely affected my financial well-being, mental health, and overall quality of life. 

Conclusion and Request for Action : In light of the violations detailed above, I kindly request that the CFPB take swift and decisive action to enforce my legal rights under the FCRA and FACTA. I implore you to investigate these matters thoroughly and ensure that the involved creditors comply with the law by promptly removing the unverified and inaccurate accounts from my credit report. 

The emotional toll this situation has taken on my life can not be overstated. I have experienced sleepless nights, constant worry, and a sense of helplessness due to these violations. My dreams of achieving financial stability and pursuing important life milestones are at stake. 

I trust that the CFPB will advocate for consumers like me and hold these creditors accountable for their actions. I appreciate your attention to this matter and the opportunity to rectify the injustices I have endured. Please do not hesitate to reach out to me if you require any additional information or documentation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX