Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1991 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and seek your valuable assistance regarding a matter that has had a significant impact on my life. I believe that the following creditors, XXXX XXXX and XXXX have violated the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692f.

I demand that the CFPB enforce the legal provisions to ensure that these creditors adhere to the stipulations laid out by the FDCPA and remedy the adverse effects that their actions have had on my financial well-being.

XXXX XXXX  Account Number : XXXX  The cred
itorXXXX XXXX XXXX has violated 15 USC 1692f of the FDCPA, which explicitly forbids the use of false, deceptive, or misleading representation or means in connection with the collection of debts. I have experienced firsthand the distress that arises from such violations. The emotional turmoil caused by these unfair practices can not be understated. The stress has affected my sleep, my daily life, and even my ability to provide for my family. 

XXXX  Account Number : XXXX Similarly, XXXX has transgressed 15 USC 1692f of the FDCPA by employing false, deceptive, or misleading means to collect a debt. The emotional toll of receiving such communications, characterized by misleading information, has taken a significant toll on my emotional well-being. These actions have shattered my trust in creditors and have cast a dark cloud over my financial future.

These violations have affected me deeply, causing not only emotional distress but also impairing my financial stability. The constant worry of these unverified accounts tarnishing my credit report has left me feeling helpless and overwhelmed. I am concerned that these violations may have lasting repercussions on my ability to secure housing, employment, and other crucial aspects of life.

In light of the aforementioned violations, I kindly request the following actions : Enforce the legal provisions outlined in 15 USC 1692f against XXXX XXXX and XXXX  to ensure that they cease the use of false, deceptive, or misleading representation or means in their debt collection practices.

Urge the creditors to remove these unverified accounts from my credit report, thereby rectifying the damage that these violations have caused to my financial reputation. 
Provide me with updates on the progress of this dispute and any actions taken to address these violations. 
I implore the CFPB to stand as a beacon of hope for consumers who are subjected to such distressing violations. Your intervention and assistance in this matter will not only rectify the wrongs I have suffered but also set a precedent for responsible and ethical debt collection practices. 

Thank you for your attention to this matter. I eagerly await your response and resolution of these pressing concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation