Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the inaccurate reporting of a debt on my credit reports by XXXX XXXX, a debt collector, which is having a detrimental impact on my financial well-being. 

As of today, Tuesday, XX/XX/, I have been diligently working to address this issue by contacting XXXX Funding and their servicer, XXXX XXXX XXXX, in an attempt to obtain the necessary account records and proof that this debt is indeed mine. Regrettably, my efforts have been met with frustration and a complete lack of cooperation from these entities. 

Despite numerous attempts, both XXXX XXXX and XXXX XXXX XXXX have consistently claimed that no record of this debt exists under my name. To my disbelief, the supervisor for XXXX XXXX XXXX, XXXX, essentially told me to stop calling as they insisted they had no information under my name. This is not only uncooperative but also highly concerning given the impact this situation is having on my credit. 

I have attached copies of my credit reports from all three major credit reporting bureaus, XXXX, Equifax, and XXXX, for your reference. As you can see, XXXX XXXX XXXX reporting of this debt has resulted in a significant negative mark on my credit reports, which is unjust and damaging to my financial standing. 

I have taken the initiative to notify XXXX, Equifax, and XXXX about this issue, providing them with the relevant information. However, to my dismay, they have claimed that they have already investigated the information and have concluded that the debt is indeed mine. This response is both disheartening and troubling, as it appears that these credit reporting agencies are neglecting their fundamental duty to conduct thorough and accurate investigations. 

I urgently request the intervention of the Consumer Financial Protection Bureau to rectify this situation. It is imperative that the negative mark on my credit reports, attributed to XXXX XXXX, be removed immediately. I am suffering the consequences of this inaccurate reporting through no fault of my own, and it is affecting my ability to secure credit, housing, and other essential financial opportunities. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to ensure the removal of the erroneous information from all three credit reporting bureaus. I believe that the attached credit reports, along with the lack of cooperation from XXXX XXXX and XXXX XXXX XXXX, provide sufficient evidence of the inaccuracy of this debt on my credit reports. 

I am grateful for your attention to this pressing issue and look forward to a prompt resolution. If you require any additional information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your assistance in rectifying this matter and restoring the accuracy of my credit reports. 

Sincerely, XXXX XXXX