Product: Debt collection

I am filing this complaint regarding XXXX failure to comply with my formal dispute letter dated XX/XX/year> ( Dispute Identification : XXXX ), in which I requested a manual reinvestigation of the disputed items on my credit report. Despite the requirements outlined in the Fair Credit Reporting Act ( FCRA ), Equifax has failed to respond or conduct the manual review within the legally mandated XXXX period. 

Summary of Disputed Items : Late Payments : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I disputed multiple late payments and demanded direct verification from the original creditors, as automated systems like XXXX are insufficient to handle the complexities of these disputes. 
Unauthorized Hard Inquiries : Inquiries from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inquiries were unauthorized, and I requested their immediate removal unless proof of authorization could be provided. Equifax has failed to provide this documentation. 
Account Inaccuracies : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I disputed incorrect charge-off statuses and amounts across these accounts and requested that Equifax conduct a manual reinvestigation to verify the accuracy of these accounts with the original creditors. 
Collections and Charge-Off Accounts : Several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX show incorrect charge-off statuses and balances. 
I demanded that these accounts be updated to reflect the correct status or be deleted if they could not be verified. Equifax has not taken any action on these items. 
Unvalidated Debts : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 
I requested full validation of these debts, including proof of debt validation and documentation, which Equifax has failed to provide. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Ensure Maximum Accuracy ( FCRA Section 607 ( b ) ) : Equifax has failed to ensure that the information reported on my credit report is accurate. By relying on automated systems, such as XXXX, Equifax has failed to ensure the maximum possible accuracy of my credit report. 

Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : Equifax has not conducted a reasonable reinvestigation of my disputes within the XXXX period required by law. I explicitly requested that Equifax conduct a manual, consumer-specific review, which it failed to do. 

Failure to Provide Documentation and Verification ( FCRA Section 609 ( a ) ) : I requested specific documentation to verify the accuracy of the disputed items, including original contracts, payment histories, and proof of identity. Equifax has not provided this documentation. 

Improper Use of Automated Systems : I explicitly demanded that Equifax not rely on automated systems, such as XXXX, in the reinvestigation process, and instead perform a manual review. Relying solely on automated systems fails to meet the FCRAs standard for a thorough investigation. 

Impact : Equifaxs failure to respond and resolve these inaccuracies has caused : XXXX XXXX : The unresolved inaccuracies have caused significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Financial harm : These inaccuracies have damaged my credit score, leading to credit denials and increased interest rates on loans and credit products. 
Requested Resolution : I request that the CFPB require Equifax to : Delete all inaccurate late payments, unauthorized inquiries, and account inaccuracies from my credit report. 
Conduct a manual reinvestigation of each disputed item, as required under the FCRA, including direct verification with original creditors. 
Provide me with the requested documentation showing how each disputed item was verified. 
Ensure that all responses and future communications are sent via certified mail with return receipt requested, as I have explicitly stated that electronic responses would not be accepted.