Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the Consumer Financial Protection Bureau 's assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ). I believe that my rights have been violated by multiple creditors and credit reporting agencies, and I seek your support in resolving this matter. 
I want to take a moment to share a personal story of how these credit reporting inaccuracies have profoundly affected my life. These inaccuracies have caused immense stress and hardship for me and my family. They have made it nearly impossible for me to secure loans, employment, housing, or obtain affordable insurance, which has had a devastating ripple effect on my overall well-being and financial stability. 

Based on the information provided in my previous communication and in accordance with the FCRA, I believe that the following violations have occurred : Failure to Verify Accuracy ( FCRA 611 ( a ) ) : XXXX XXXX ( Account number : XXXX ) XXXX | XX/XX/XXXX PREMIUM | XX/XX/XXXX XXXX XXXX ( Account number : XXXX ) XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX Outdated Information ( FCRA 605 ( b ) ) : Entries that are older than seven years from the date of first delinquency should be removed from your credit report. None of the listed accounts appear to have violated this section.

Incomplete or Inaccurate Reporting ( FCRA 623 ( a ) ) : 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 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 XXXXXX/XX/XXXX Failure to Provide Verification ( FCRA 611 ( a ) ( 7 ) ) : None of the entries provided appear to contain a specific violation of this section.

Reinsertion of Previously Deleted Information ( FCRA 623 ( a ) ( 8 ) ) : None of the entries provided appear to contain a specific violation of this section.

I kindly request that the Consumer Financial Protection Bureau take swift and decisive action to rectify these violations. Specifically, I ask that you work with the respective creditors and credit reporting agencies to ensure the removal of the unverified accounts from my credit report, in accordance with the FCRA.

These inaccuracies have caused immeasurable harm, and I am seeking justice and relief in this matter. I believe that enforcing my rights under the FCRA is crucial to restoring my financial stability and peace of mind.

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance in resolving this matter and upholding the rights of consumers like me. 

Sincerely, XXXX XXXX