Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Monday, XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax Data Breach, Mishandling of Consumer Data & FCRA Violations To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for its failure to protect consumer data, inaccurate credit reporting, and direct violations of the Fair Credit Reporting Act ( FCRA ). Due to Equifaxs proven history of compromised data security and mishandling of consumer credit information, I am demanding the immediate removal of all negative accounts and hard inquiries from my credit report without verification under federal law. 

1. Legal Basis for Immediate Removal Equifaxs Data Breach & FCRA Violations A. 2017 Equifax Data Breach Lawsuit ( $ XXXX Settlement ) In XXXX, Equifax suffered one of the largest data breaches in history, exposing the personal and financial data of XXXX XXXX Americans, including Social Security numbers, credit card details, and private account information. This led to a massive {$700.00} XXXX settlement with the FTC, CFPB, and 50 U.S. states due to Equifaxs negligence. 
Equifax failed to safeguard consumer data, which allowed unauthorized access to credit information, making its entire reporting system unreliable. 
This breach resulted in identity theft, fraudulent accounts, and financial harm to millions of consumers. 
As part of the settlement, Equifax acknowledged its failures but continues to mishandle credit reporting today. 

Due to this proven failure to secure consumer data, Equifax can not legally verify the accuracy of any disputed information because its reporting system is inherently compromised. Thus, under the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of all negative accounts and inquiries listed below as Equifax can not verify their accuracy after a security breach. 

B. Equifaxs Violation of the Fair Credit Reporting Act ( FCRA ) Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in consumer credit reports. Due to Equifaxs history of data breaches and reporting failures, it has proven incapable of maintaining accurate records.

Additionally, under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if a disputed item can not be verified within 30 days, it must be permanently removed. Given Equifaxs proven failure to protect consumer data, I am demanding the immediate removal of the following negative accounts and inquiries, as Equifax can not legally verify their accuracy after the data breach. 

2. Negative Accounts for Immediate Removal The following accounts must be immediately removed due to Equifaxs failure to ensure the integrity of its credit reporting system : XXXX. XXXX XXXX Account # XXXX Issue : Incorrectly listed as a collection account, despite being settled. 
XXXX. XXXX XXXX Account # XXXX Issue : Late payments falsely reported while under a hardship assistance program. 
XXXX. XXXX XXXX Account # Unknown Issue : If the account is marked as Unknown, then Equifax can not legally verify it, and it must be immediately removed. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX Issue : False 30-day late payments reported in XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX Account # XXXX ( First Account ) Issue : Inaccurate reporting of late payments for XXXX, XXXX, and XX/XX/XXXXXXXX 
XXXX. XXXX XXXX XXXX Account # XXXX ( Second Account ) Issue : Incorrect balance reporting and unjustified late payment entries. 
XXXX. XXXX Account # XXXX Issue : Incorrectly listed as charged off despite the balance being settled. 

3. Unauthorized Hard Inquiries for Immediate Removal The following hard inquiries were not authorized and must be deleted immediately due to potential fraudulent access and compromised consumer data from the Equifax breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Requested Action from the FTC I request that the FTC launch an immediate investigation into Equifaxs handling of my credit report, based on the following : 1. Equifaxs history of data breaches and proven inability to protect consumer financial data.

2. Failure to ensure maximum possible accuracy, as required under the FCRA. 
3. Failure to properly investigate and remove unverifiable negative accounts from my credit report. 

I demand that Equifax be compelled to immediately remove these accounts and inquiries, as they can not be reliably verified due to their history of compromised data security. 

5. Failure to Act Will Result in Further Legal Action If Equifax does not remove these accounts and inquiries and fails to comply with federal law, I am prepared to escalate this matter by : Filing additional complaints with the CFPB, Attorney Generals Office, and consumer protection agencies. 
Seeking legal action for damages caused by Equifaxs negligence and FCRA violations. 

This matter requires urgent attention, and I expect a response within 30 days. Please send all correspondence regarding this complaint to my email ( XXXX ) or mailing address ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX