Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally respond to Equifaxs recent update regarding my complaint. Equifax has falsely claimed in their CFPB response that multiple disputed items are " not currently reporting '' on my credit file. However, upon reviewing my most recent credit report ( dated XX/XX/year> ), these same fraudulent and disputed accounts remain on my file. This discrepancy constitutes willful misrepresentation and deceptive practices under the Fair Credit Reporting Act ( FCRA ) 616 & 617, as Equifax knowingly provided false information to a regulatory agency.

Key Violations by Equifax : 1. Failure to Block Fraudulent Accounts & Inquiries ( 605B, 15 U.S.C. 1681c-2 ) * Equifax has failed to permanently block accounts and inquiries that I identified as fraudulent, despite providing : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card , Utility Bill ) * Instead, they remove and then reinsert these items, which is a direct violation of the law. 
XXXX. Deceptive Reporting to XXXX XXXX XXXX XXXX XXXX  ( XXXX, XXXX ) * Equifax reported to the CFPB that the following items are not on my credit report, yet my latest credit report dated XX/XX/year> proves otherwise : * XXXXXXXX XXXX  ( Charge-off ) Still reporting * XXXX XXXX XXXX XXXX XXXX ) Still reporting * XXXX XXXX XXXX ( Reinserted Charge-off ) Still reporting * XXXX XXXX ( Unauthorized Inquiry ) Still reporting * XXXX XXXX XXXX ( Unauthorized Inquiry ) Still reporting * XXXX XXXX, XXXX Auto, Global Lending ( XXXXnauthorized Inquiries ) Still reporting * Equifaxs false claims about these items not being on my report reflect a pattern of deceptive conduct and an attempt to mislead regulators.

3. Unlawful Reinsertion of Previously Deleted Accounts ( 611 ( a ) ( 5 ) ( B ) ) * Equifax previously removed XXXX XXXX XXXX from my report but has since reinserted it without proper notification and certification from the furnisher, violating : * FCRA 611 ( a ) ( 5 ) ( B ) Mandates that consumers be notified within 5 business days when a previously deleted item is reinserted. 
XXXX. Refusal to Remove Inacc

urate Personal Information ( 609, 610 ) * Equifax has refused to update or remove outdated/fraudulent phone numbers and addresses on my report, making me vulnerable to further identity theft.

Resolution Demanded : * Immediate and permanent removal of the fraudulent accounts and inquiries listed above.

* Full compliance with FCRA 605B Block all fraudulent accounts and prevent further reporting.

* A written explanation of the reinsertion process used to place removed accounts back on my credit file. 
* Monetary compensation for damages incurred due to Equifaxs negligent and deceptive practices, including statutory damages under FCRA 616 ( {$1000.00} per violation ) and actual damages for financial and reputational harm.

Equifaxs actions are in clear violation of federal law and have caused significant financial hardship and emotional distress. I urge the CFPB to take immediate enforcement action against Equifax to ensure compliance with consumer protection laws. 
Sincerely, XXXX XXXX