Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against XXXX XXXX XXXX, Equifax, XXXX, and XXXX FCRA Violations and Deceptive Practices Complainant Information : XXXX XXXX [ Address ] To Whom It May Concern, This is a formal complaint against XXXX XXXX XXXX, Equifax, XXXX, and XXXX for significant violations of the Fair Credit Reporting Act ( FCRA ), particularly related to improper reinsertion of previously deleted information, failure to ensure maximum possible accuracy, deceptive practices, and procedural failures. These issues mirror systemic violations outlined in the CFPBs recent lawsuits against Equifax and XXXX, and I have been directly harmed by these practices. 

Violations by XXXX XXXX XXXX  ( FCRA 15 U.S.C. 1681s-2 ) 1. Failure to Provide Accurate Information XXXX XXXX XXXX  furnished inaccurate and unverifiable negative information on my credit report, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires furnishers to ensure the accuracy of the information they report to credit bureaus.

2. Failure to Provide Notice of Negative Reporting The bank failed to provide me with written notice within 30 days after furnishing negative information, as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

3. Certification of Accuracy Before any reinsertion of previously deleted information, a furnisher must certify that the information is complete and accurate. Given that the XXXX XXXX XXXX  account contains inaccuracies, their certification is inherently invalid, and their actions demonstrate gross negligence. 

Violations by Equifax, XXXX, and XXXX ( FCRA 15 U.S.C. 1681i and 1681e ( b ) ) 1. Failure to Prevent Improper Reinsertion Equifax, XXXX, and XXXX failed to follow the requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to : Obtain proper certification from XXXX XXXX XXXX  confirming that the previously deleted information is accurate. 
Notify me within five business days of the reinsertion of any information, including the furnishers name, contact details, and my right to dispute.

These actions are direct violations of the FCRA and deprive me of my rights to challenge inaccurate or reinserted information.

2. Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), CRAs are required to ensure the maximum possible accuracy of the information they report. By reinstating inaccurate and unverifiable information from XXXX XXXX XXXX, they have failed to meet this obligation. 
XXXX. Deceptive Practices and Systemic Failures The reinsertion of previously deleted information without proper notification and certification constitutes a deceptive practice that misleads consumers and violates the FCRA. This practice aligns with allegations in the CFPB lawsuits against Equifax and XXXX, which outline their systemic failures to conduct reasonable investigations, rely on accurate data, and notify consumers of key actions. I am directly harmed by these same failures in this case. 

CFPB XXXX XXXX Equifax and XXXX In recent legal actions brought by the CFPB against Equifax and XXXX, the agencies were found to : Over-rely on furnishers without verifying the accuracy of the information provided. 
Reinsert previously deleted information without proper certification or consumer notification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Fail to conduct reasonable reinvestigations, leading to the continued reporting of inaccurate and unverifiable information. 

These practices are evident in my case, where all three credit bureausEquifax, XXXX, and XXXX to prevent the improper reinsertion of the XXXX XXXX XXXX  account and failed to ensure its accuracy. 

Request for Investigation and Resolution To address these violations, I request that the CFPB : XXXX. XXXX XXXX XXXX XXXX  for : Failing to provide accurate information. 
Failing to send proper notice within 30 days after furnishing negative information. 
Falsely certifying the accuracy of reinserted information. 
XXXX. XXXX Equifax, XXXX, and XXXX for : Failing to prevent the improper reinsertion of deleted information. 
Failing to notify me within five business days of reinsertion.

Failing to ensure the accuracy of the reinserted information.

3. Require the Immediate Removal of the XXXX XXXX XXXX  account from my credit reports due to these procedural violations and the inaccurate nature of the account. 
XXXX. Hold All Parties Accountable under applicable penalties and remedies provided by the FCRA, including statutory, actual, and punitive damages. 

Impact on Creditworthiness These violations have caused significant harm to my creditworthiness, resulting in denials of credit, potential higher interest rates, and damage to my financial reputation. Both XXXX XXXX XXXX  and the CRAs have demonstrated gross negligence in their obligations under the FCRA, and their actions directly mirror the harmful practices highlighted in the CFPB lawsuits against Equifax and XXXX.