Product: Credit reporting or other personal consumer reports

Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Date of Follow-Up Dispute : XX/XX/XXXX Final Notice Sent : XX/XX/XXXX Complaint Violations of Federal Consumer Protection Laws I am filing this complaint against XXXXXXXX XXXX  XXXX and XXXX XXXX major credit bureaus ( XXXX, Equifax, and XXXX ) for failure to remove a fraudulent and unauthorized account, failure to properly investigate disputes, and continued false reporting in violation of federal law. 

Despite multiple formal disputes sent via certified mail over the course of a year, XXXX XXXX XXXX has failed to investigate and remove the fraudulent account from my credit reports, and XXXX, Equifax, and XXXX have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

As of today, XX/XX/XXXX, this fraudulent account is still being reported, causing me severe financial harm, credit denials, and loss of opportunities. This ongoing failure to comply with federal consumer protection laws has led to the continued misrepresentation of my financial standing, which is unlawful under the following provisions of the FCRA, FDCPA, FACTA, TILA, and XXXX  consumer protection laws. 

Legal Violations Committed by XXXX XXXX  XXXX XXXX Credit Reporting Agencies 1. Failure to Conduct a Reasonable Reinvestigation Violation of FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) Credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days. 
Despite my repeated disputes, no legitimate investigation has been conducted, and no verifiable proof has been provided to support the continued reporting of this fraudulent account.

This constitutes a willful and negligent violation of my consumer rights.

2. Failure to Delete Unverified Information Violation of FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ) If disputed information can not be verified, it must be immediately deleted from the consumers file. 
XXXX XXXX  XXXX has failed to provide any documentation proving my authorization of this account. 
XXXX, Equifax, and XXXX continue reporting the account despite lacking proper verification.

3. Failure to Remove Fraudulent Information Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) The FCRA requires fraudulent accounts to be blocked and removed within four ( 4 ) business days of notification. 
This fraudulent account has been reported for over a year despite my repeated disputes and legal demands.

4. Failure to Provide Verification Documentation Violation of FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) If an account is disputed, credit bureaus must provide verification documentation proving the accounts legitimacy. 
No supporting documentation has been provided, which means the account must be deleted immediately under federal law.

5. Willful and Negligent Noncompliance Violation of FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Credit reporting agencies and furnishers are liable for statutory damages of up to {$1000.00} per violation, plus punitive damages and legal costs. 
Both XXXXXXXX XXXX XXXX and the credit bureaus have acted negligently by failing to remove this fraudulent account.

6. Reporting False Information Violation of FDCPA 1692e & 1692f ( 15 U.S.C. 1692e & 1692f ) Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to misrepresent the validity of a debt or furnish false information to third parties. 
XXXX XXXX  XXXX has knowingly furnished fraudulent account information to the credit bureaus.

7. Truth in Lending Act ( TILA ) Violation of 15 U.S.C. 1643 TILA states that consumers can not be held liable for unauthorized charges exceeding {$50.00}. 
Since I never authorized this account or any charges associated with it, XXXX XXXX XXXX refusal to remove it is a direct violation of federal lending laws.

8. Fair and Accurate Credit Transactions Act ( FACTA ) Violation of 15 U.S.C. 1681c-2 FACTA requires that fraudulent accounts must be blocked or removed from a consumers credit file upon notification. 
The credit bureaus and XXXX XXXX  XXXX have failed to comply with this law. 

XXXX. XXXX  Identity Theft Act Violation of Cal. Civ. Code 1798.92 As a California resident, I am legally entitled to have fraudulent accounts removed upon written notice. 
XXXX XXXX failure to remove this account within 30 days makes them liable for statutory damages of up to {$30000.00} per violation.