Consumer complaint received 2023-09-07
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share with you the profound and deeply personal impact that these credit reporting inaccuracies have had on my life. 

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  Personal Impact : The inaccuracies on my credit report have been a source of significant distress, affecting multiple aspects of my life. To convey the emotional turmoil I have endured, I would like to share a specific incident that illustrates the far-reaching consequences of these inaccuracies. 

I embarked on a journey to secure a mortgage loan for a modest home for my family. My spouse and I had been diligently saving for years, and we were excited about the prospect of providing stability and security for our children. However, when our credit reports were pulled by the mortgage lender, we were met with a devastating reality. 

The XXXX XXXX and XXXX XXXX XXXX accounts, which were erroneously reported, led to a sudden and shocking drop in our credit scores. As a result, we were deemed ineligible for the mortgage loan we had longed for. Our dreams of homeownership were crushed, and we were left in a state of despair. We were forced to continue renting a subpar apartment, which had become increasingly inadequate for our growing family. 

Furthermore, the XXXX account inaccurately portrays my financial responsibility, jeopardizing my ability to access credit on fair terms. This has hindered my career aspirations, as certain employers perform credit checks during the hiring process. The perpetual burden of these inaccuracies has cast a dark shadow over my personal and professional life, leading to sleepless nights, XXXX, and a pervasive sense of helplessness. 

Request for Action : I implore the CFPB to enforce the FCRA by investigating these violations and compelling the creditors to remove these unverified accounts from my credit report immediately. I have followed the appropriate dispute procedures with the credit bureaus and have provided evidence supporting my claims. However, my efforts have not yielded the necessary corrections. 

The emotional and financial toll these inaccuracies have taken on my family can not be overstated. We are earnestly seeking justice and relief from this unjust situation. 

I am profoundly grateful for your attention to this matter and for your commitment to protecting consumers like me. Please do not hesitate to reach out to me if additional information is required to facilitate your investigation. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX