Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against your company for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and associated federal regulations. Despite numerous attempts to address these issues through certified mail, formal notices, and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), your company has consistently failed to fulfill its legal obligations. These failures have caused significant harm to my privacy, creditworthiness, and financial well-being. 

Key Violations : Failure to Properly Investigate Disputes : I have submitted multiple disputes regarding inaccuracies, unauthorized remarks, and unverified debts reported on my credit file. Under the FCRA ( 611 ), you are legally required to conduct reasonable investigations and provide results within a specific timeframe. To date, you have not provided sufficient evidence to validate these alleged debts or adequately resolved my disputes. 

Inconsistent Acknowledgment of Complaints : Each time I have submitted complaints to the CFPB, your agencies have inconsistently acknowledged my identity and input. While you have processed some complaints, including those involving disputes and inaccuracies, you have outright dismissed complaints related to privacy violations and the possible selling or release of my personal information, claiming an inability to identify me. These contradictory actions demonstrate negligence and a lack of accountability in addressing consumer concerns. 

Failure to Respond to Mail Correspondence : Despite sending numerous certified mail requests, including formal notices, I have not received any substantive responses or acknowledgment. This disregard for my correspondence further highlights your failure to comply with the FCRAs requirements to provide transparent and timely communication. 

Data Breaches and Privacy Concerns : Your company has experienced major data breaches, exposing my personal information to unauthorized third parties. Despite being notified, you have not taken appropriate steps to secure my data, nor have you provided any resolution or compensation for this breach. Additionally, I have concerns that my information has been sold or released without my consent, as evidenced by recurring promotional inquiries and unexplained activity on my credit report. 

Failure to Remove Inaccurate or Harmful Information : Despite federal regulations requiring the removal of inaccurate information, unverified debts, and identity theft-related remarks, your agencies have failed to comply. These inaccuracies continue to harm my creditworthiness and create unnecessary financial distress. 

Formal Notice and Intent to Sue : I have made repeated efforts to address these issues in good faith, including filing detailed complaints with the CFPB and directly contacting your agencies via certified mail. However, your repeated failure to take corrective action or respond to my concerns has left me no choice but to escalate this matter. 

As evidenced by the recent lawsuit filed by the CFPB against the credit reporting agencies, systemic violations of consumer protection laws persist, and my experiences further demonstrate this pattern of misconduct. Your actionsor lack thereofconstitute violations of the FCRA, negligence in protecting my personal data, and a disregard for federal regulations. 

The agencies do not have the same response for collections, open/closing dates, some creditors are listed on one agency and some are not, my personal information ( such as employer, social, DOB, etc ). There are currently several inconsistent reports after printing and reviewing all of my reports from each agency as provided via the websites provided via the FTC. 

Next Steps : If you fail to resolve these issues within 30 days of receiving this complaint, I will file a lawsuit against your company for violations of the FCRA, failure to properly investigate disputes, negligence, and privacy violations. I will also report your actions to the Federal Trade Commission ( FTC ), SEC, and any other relevant authorities. 

Please consider this letter your formal notice of intent to sue. 

I expect an immediate and substantive response addressing all the points outlined above. You may contact me directly at the email or address you have on file or listed in the CFPB.