Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

XXXX 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 addressing a series of grave violations committed by creditors, which have significantly impacted my life and financial well-being. I am seeking your intervention to enforce the appropriate legal remedies and to compel the removal of unverified accounts from my credit report. 

Violations Committed : Fair Credit Reporting Act ( FCRA ) Violations : a. Section 1681e ( b ) : Creditors have violated this section by reporting inaccurate and unverified information on my credit report, thereby impeding my ability to secure credit and financial opportunities. 

b. Section 1681i : Creditors have failed to conduct a reasonable investigation into the disputed accounts as required by this section, compounding the inaccuracies on my credit report. 

Identity Theft Implications : The reported accounts, which I adamantly assert I have never been associated with, cast a long shadow of suspicion and concern over my financial identity. The damage caused by these inaccuracies extends far beyond my credit score, affecting my peace of mind and mental well-being. 

Accounts and Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that I have never had any business relationship with this company, and there is no way this account belongs to me. It should be deleted from my credit report immediately. 

[ List other accounts and their account numbers here, along with any specific details of the violations for each account. ] Personal Story and Impact : This ordeal has taken an immeasurable toll on my life. It has become an emotionally grueling journey through the labyrinth of bureaucracy, misinformation, and sheer frustration. To illustrate the gravity of the situation, allow me to share a deeply personal story of how these violations have affected me : I recently applied for a mortgage to fulfill my lifelong dream of owning a home. My joy and excitement quickly turned to dismay when I was informed that my credit report contained several unverified accounts, including one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have never had any association with. This erroneous information has led to the denial of my mortgage application, shattering my dreams of providing a stable and comfortable home for my family. 

The emotional impact of this denial has been overwhelming. The disappointment and shame of not being able to secure a home for my family have left me feeling helpless and demoralized. My family 's future hangs in the balance, and I find myself unable to provide them with the security and stability they deserve.

Request for Action : In light of the egregious violations outlined above, I respectfully request the following actions : Enforce the legal remedies available under the FCRA against the offending creditors, including but not limited to those mentioned in Sections 1681e ( b ) and 1681i. 

Compel the removal of the unverified accounts, including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. 

I implore you to act swiftly and decisively to rectify this unjust situation. My family 's future and my mental well-being depend on the resolution of these violations. I trust that the Consumer Financial Protection Bureau will ensure that justice is served and that I can move forward with my life free from the burdens of these inaccuracies. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX