Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several violations of consumer protection laws, as well as to share a deeply personal story that underscores the emotional and practical impact these violations have had on my life. I trust that the Consumer Financial Protection Bureau ( CFPB ) will take this matter seriously and enforce the necessary legal actions to rectify these issues. 

As a diligent and responsible consumer, I have taken great care to maintain accurate and truthful financial records. However, I have encountered numerous discrepancies on my credit report that are not only in violation of federal laws but have also adversely affected my financial stability and overall well-being. 

Violations : Inaccurate Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX, CA XXXX Unauthorized Inquiries : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Questionable Account Information : Creditor : XXXX Account Number : XXXX Creditor : XXXX Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Creditor : XXXXXXXX XXXX Account Number : XXXX Creditor : XXXX Account Number : XXXX Personal Story : The inaccurate information on my credit report has caused me profound distress and financial hardships. This situation has affected my ability to secure favorable interest rates on loans, obtain housing, and even pursue job opportunities. One particularly distressing incident involved my inability to secure a mortgage for a home my family had been dreaming of. Due to the erroneous data on my credit report, we lost out on a chance to provide stability and security for our children. This emotional turmoil has taken a toll on my mental well-being and has strained my relationships as well. 

Request : I urge the CFPB to enforce the relevant consumer protection laws and ensure that my rights are upheld. In light of the violations mentioned above, I request that the creditors immediately remove the unverified accounts from my credit report and provide written confirmation of their compliance within 30 days of receiving this letter. Additionally, I request a free copy of my updated credit report once the corrections are made. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any further information or documentation to proceed with this dispute. 

Thank you for your prompt assistance in resolving this distressing situation. 

Sincerely, XXXX XXXX