Consumer complaint received 2023-08-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding numerous inaccuracies and violations in my credit report. My intention in reaching out to you is to seek your support and assistance in enforcing my legal rights, as I have encountered significant challenges and emotional distress due to the wrongful actions of the creditors. I believe that these actions have not only impacted my financial well-being but also greatly affected my personal life. 

Unauthorized Inquiry Violations : 1. XXXX  - Date of Inquiry : XX/XX/XXXX 2. XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. TD AUTO FIN - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of XXXX : XX/XX/XXXX 5. XXXX XXXX - Date of Inquiry : XX/XX/XXXX These creditors have conducted unauthorized inquiries on my credit report without my consent, which has had a detrimental impact on my credit score and financial stability. I did not grant permission for these inquiries and firmly believe they should be removed promptly.

In violation of the Fair Credit Reporting Act ( FCRA ) : - Section 604, Subsection ( a ) ( 3 ) ( A ) : Unauthorized inquiries without consent.

Inaccurate Reporting and Improper Account Handling Violations : 6. XXXX XXXX - Account Number : XXXX 7. XXXX - Account Number : XXXX 8. XXXX - Account Number : XXXX 9. XXXX XXXX - Date of Inquiry : XX/XX/XXXX 10. XXXX - Account Number : XXXX These creditors have engaged in a series of violations under the Fair Credit Reporting Act ( FCRA ), which include : - Section 623, Subsection ( a ) ( 1 ) ( A ) : Incorrect high balance reporting.

- Section 623, Subsection ( a ) ( 1 ) ( B ) : Inaccurate date of last activity.

- Section 623, Subsection ( a ) ( 5 ) : Re-aging accounts.

- Section 623, Subsection ( a ) ( 8 ) : Reinsertion of information without proper notice.

- Section 623, Subsection ( a ) ( 9 ) : Undated late payment reporting.

- Section 623, Subsection ( a ) ( 10 ) : Charging off accounts listed as open.

The emotional toll of these violations can not be understated. The stress and anxiety caused by the deterioration of my creditworthiness have affected not only my financial stability but also my overall well-being. As a dedicated spouse and parent, I have been unable to provide the security and opportunities I desire for my family due to these wrongful actions.

I implore the Consumer Financial Protection Bureau to enforce the legal rights set forth by the Fair Credit Reporting Act ( FCRA ) and take decisive action to rectify these injustices. In light of the severe emotional distress and financial hardships I have endured, I am kindly requesting that the aforementioned creditors promptly remove the unverified and inaccurate accounts from my credit report.

I thank you for your time and consideration in addressing this matter and am hopeful that your intervention will restore my faith in the fairness of the credit reporting system. Please feel free to reach out to me for any further information or documentation that may be required to support my case. 

Sincerely, XXXX XXXX XXXX