Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally submitting a complaint against all credit agencies for multiple violations of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. These violations have caused me significant harm, including financial loss and emotional distress.

Violations Breach of Privacy The unauthorized furnishing of my account information by third parties has compromised my trust and potentially exposed my identity to unknown entities. This violates 15 U.S.C. 1681, Section 602.

Lack of Written Consent You are required to obtain my written consent before adding any information to my consumer report. Since I did not authorize these actions, you are in violation of the FCRA. 

Illegal Reporting of Transaction History The reporting of my transaction history and income discrepancies in violation of IRS guidelines, including certificates of indebtedness, is illegal. This false and misleading reporting has caused me severe harm and mental anguish.

Identity Theft Violation According to 12 CFR 1022.3, identity theft involves using another person 's identifying information without authorization. This definition applies to the fraudulent activity related to my account. 

Unwanted Emails and Phone Calls I have received numerous unwanted emails and phone calls during business hours from fraudulent companies. This constant disruption is unacceptable and violates my rights.

Verification of Identity Credit agencies must verify the identity of prospective users before furnishing a consumer report. You have failed to ensure that reports were furnished for permissible purposes as required by 15 U.S.C. 1681b.

Inaccuracy of Reporting Under 15 U.S.C. 1681e ( b ), you must follow reasonable procedures to ensure the maximum possible accuracy of reported information. Your failure to comply with sections 1681b and 1681c demonstrates a lack of adherence to these requirements.

Civil Liability for Willful Noncompliance As stated in 15 U.S.C. 1681n, any person who willfully fails to comply with the FCRA is liable for damages. I am entitled to {$1000.00} for each violation due to your noncompliance, which totals {$8000.00} based on the eight violations outlined above.

Emotional Distress The ongoing violations have caused me over four years of duress, significantly disrupting my quality of life. 

Demands I demand immediate correction of false and misleading information reported by XXXX and XXXX, along with the removal of all related inquiries. If we can not come to an agreement, please be advised that I will pursue this matter in federal court. 

Next Steps If these issues are not resolved immediately, I will escalate my complaints to the Office of the Comptroller of the Currency ( OCC ), the Federal Trade Commission ( FTC ), and the Securities and Exchange Commission ( SEC ) regarding potential securities fraud. 

I expect all credit agencies to take responsibility for these violations. I demand the removal of any outdated or duplicate addresses, phone numbers, and incorrect name variations from my report. Should you fail to address these matters, I will pursue legal action against the credit agencies and their executives for securities fraud. 

Thank you for your prompt attention to this serious matter.