Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For years, I have fought tirelessly to correct the harmful and inaccurate information on my credit report. These errors, particularly involving the XXXX  XXXX XXXX account, have devastated my ability to provide for my child and build a stable future for my family. 
This goes beyond financial inconvenienceits a matter of survival. In todays economy, where inflation has driven up costs and employers scrutinize credit reports, these errors have blocked me from accessing higher-paying jobs, housing opportunities, and essential credit. These inaccuracies unjustly brand me as irresponsible, while in truth, I am a parent doing everything possible to provide a better life for my child. 

Fraudulent accounts and Unauthorized inquiries : Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Inquiries : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX -Violation of My Rights- These errors violate multiple federal laws and protections designed to ensure fairness and accuracy in credit reporting : 1. Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy. The presence of harmful inaccuracies violates this provision.

- 15 USC 1681c ( 2 ) : Information related to identity theft or disputes must be blocked within 4 business days if unsupported by valid evidence. This failure to block inaccurate entries related to identity theft violates my rights under the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ) : - 15 USC 1692g : Debt collectors are required to validate debts upon request. Despite years of fighting these entries, I have yet to see valid documentation for the XXXX  XXXX XXXX account. 
- 15 USC 1692d : The continuous re-reporting of inaccurate or unverifiable accounts amounts to harassment, causing financial and emotional harm to me and my family.

3. Equal Credit Opportunity Act ( ECOA ) : - 15 USC 1691 ( a ) : These reporting errors have denied me access to credit and better-paying jobs, limiting my ability to provide for my child and violating my right to equal credit opportunity.

4. Equal Protection and Due Process Clauses ( 14th Amendment ) : - By denying me equal access to financial resources and a fair process to correct these errors, these actions violate my constitutional rights.

5. Texas Deceptive Trade Practices Act ( Tex. Bus. & Com. Code 17.46 ) : - The continued failure to correct these errors and the misrepresentation of information constitute deceptive practices under Texas law. 

-Impact on My Family- The ongoing presence of these harmful entries has created a devastating ripple effect : - Blocked Career Opportunities : Employers now routinely review credit reports. These errors make it impossible for me to secure higher-paying positions necessary to meet the rising costs of living.

- Economic Instability : With inflation eroding every dollar, my ability to provide housing, food, and stability for my child has been severely undermined.

- Generational Harm : These errors are not just impacting me ; they are perpetuating a cycle of poverty that will harm my childs future.

-Demand for Immediate Action- This situation is urgent, and I can not afford further delays. I am requesting : 1. Immediate correction or removal of all inaccurate information related to the XXXX  XXXX XXXX account across all credit bureaus.

2. Blocking of any unverifiable or unsupported information within 4 business days, as required under FCRA 15 USC 1681c ( 2 ).

3. Compensation of {$10000.00} for the financial and emotional harm caused by these violations, as outlined under FCRA 15 USC 1681n.

This is not just about correcting a credit report. Its about ensuring my child has a stable and secure future. The ongoing presence of these harmful entries threatens everything Ive worked so hard to build as a parent. Act with the urgency and fairness this situation demands.

Company response to consumer: Closed with non-monetary relief