Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, This letter constitutes a formal complaint against XXXX XXXX for alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. My complaint stems from XXXX XXXX failure to conduct reasonable reinvestigations of disputed information on my credit report. 

XXXX conduct violates my rights under the FCRA, which mandates that consumer reporting agencies ( CRAs ) must : Use reasonable procedures to ensure maximum possible accuracy of information ( 15 U.S.C. 1681e ( b ) ). 
Conduct reasonable reinvestigations of disputed information and report results within specified timelines ( 15 U.S.C. 1681i ( a ) ) .Modify or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ). Failing to forward all provided documentation to the original furnishers. 

Uncritically accepting furnisher responses without adequate scrutiny, even when questionable or when Equifax possessed contradictory information. 

Failing to conduct reinvestigations within FCRA-mandated timeframes. 

Specifically, Equifax has : Failed to reasonably reinvestigate my disputes regarding inaccurate/incomplete information, including : Providing inadequate or inaccurate notices of dispute outcomes, using confusing, ambiguous, incorrect, and/or internally inconsistent information. 

Failed to utilize reasonable procedures to ensure maximum possible accuracy of information in my consumer file. The following is a summary of the inaccurate information on my credit report : Inaccurate Transactions that must immediately be corrected/updated from my credit report : Auto loan Late Payments ( Valid transaction but Update is needed for accurate Reporting ) : XXXX XXXX XXXX XXXX & XX/XX/XXXX, and XX/XX/XXXX ( Verification requested ). ( All payment has been made on time ) I have XXXX XXXX XXXX  credit card, the other card showing {$180.00} balance is not valid, my XXXX XXXX  balance is XXXX $ ) Inaccurate Transactions that must immediately be removed from my credit report : Credit Card Account : XXXX XXXX  XXXX XX/XX/XXXX ; Reported Balance : {$0.00} ( Actual balance unknown ). 

XXXX Credit Card Accounts ( XXXX XXXX ) : must be deleted Immediately. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX ; Balance : {$170.00} XXXX. XXXX XXXX XXXX ; XX/XX/XXXX ; Balance : {$3300.00} Auto loan : XXXX XXXX XXXX ; XX/XX/XXXX ( must immediately be removed from my credit report ) Open Student Loans : ( Inaccurate Reporting ) : for Missouri Higher XXXX student loans, with varying dates and balances. ( Please note that all the student loans listed below must be immediately removed from my account because I owe no debt ) Missouri XXXX XXXX : XXXX. Date : XX/XX/XXXX : Balance Amounts : {$21000.00} XXXX. XX/XX/XXXX. XXXX : {$11000.00} XXXX. XX/XX/XXXX : {$11000.00} XXXX. XX/XX/XXXX : {$10000.00} XXXX. XX/XX/XXXX : {$7600.00} XXXX. XX/XX/XXXX : {$4100.00} XXXX. XX/XX/XXXX : {$3200.00} XXXX. XX/XX/XXXX : {$2800.00} XXXX. XX/XX/XXXX : {$2400.00} XXXX. XX/XX/XXXX : {$2400.00} XXXX. XXXX XXXX, XXXX : {$1500.00} XXXX. XX/XX/XXXX : {$1400.00} XXXX. XX/XX/XXXX : {$540.00} XXXX. XXXX, XXXX : {$490.00} XXXX. XX/XX/XXXX : {$2400.00} Closed Student Loans ( Incorrect Reporting Should be Removed even if it says Paid Off ) : I have never paid or owe any student loan debts hence the XXXX multiple entries for XXXX XXXX XXXX XXXX Account : all on XX/XX/XXXX with a balance of {$0.00} must be immediately removed from my report. ( Please see list below ) Utah XXXX XXXX : XXXX. XX/XX/XXXX : Highest balance : {$10000.00} XXXX XXXX : {$0.00} XXXX. XX/XX/XXXX : Highest balance : {$3000.00} XXXX XXXX : {$0.00} XXXX. XX/XX/XXXX : Highest balance : {$2400.00} XXXX XXXX : {$0.00} XXXX. XX/XX/XXXX : Highest balance : {$10000.00} XXXX XXXX : {$0.00} XXXX. XX/XX/XXXX : Highest balance : {$2700.00} XXXX XXXX : {$0.00} XXXX. XX/XX/XXXX : Highest balance : {$10000.00} XXXX XXXX  : {$0.00} Hard Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I request that the CFPB investigate these alleged violations, take appropriate action to ensure XXXX XXXX compliance with the FCRA and CFPA, and facilitate the correction of my credit report. 

Thank you for your attention to this matter.