Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax Credit Reporting Agency and XXXX Bank regarding their continued inaccurate reporting of accounts on my credit report, despite my repeated disputes and the submission of supporting documentation. 

Issue XXXX : Inaccurate Reporting of XXXX and XXXX Accounts I was previously listed as an authorized user on two accounts : XXXX  account ending in XXXX XXXX  account ending in XXXX I am not financially responsible for these accounts and have been removed as an authorized user by the creditors. Despite this, the credit reporting agencies continue to report these accounts on my credit file. When I filed disputes to have these accounts removed, they responded by stating that the reporting is accurate because I am listed as an authorized user. However, my requests clearly state that I am not the owner of these accounts and that the creditors have already removed me as an authorized user. 

In my disputes, I have also requested that the credit reporting agencies cease reporting these accounts under 15 U.S.C. 1666c, which allows consumers to request that certain information be removed from their credit reports when they are not responsible for the debt. Despite this legal provision, the credit reporting agencies continue to deny my disputes and maintain these accounts on my credit file. As a result, my credit score has dropped by over 200 points due to the usage on these accounts, which has caused me significant financial hardship. 

Issue XXXX : Fraudulent Transaction Reporting by XXXX XXXX  Additionally, the credit reporting agencies are inaccurately reporting a XXXX XXXX  credit card account due to a fraudulent transaction that has caused a debt I do not owe. I have provided supporting documentation to prove that this transaction is fraudulent. Until this incident, I had a perfect payment history and had never been late on any payment. The reporting of this inaccurate fraudulent transaction has severely impacted my credit score. 

Identity Theft Concerns Furthermore, I am concerned about Equifax 's request for me to send my ID and Social Security number by mail. This practice poses a significant risk of identity theft, as mailing sensitive personal information can expose me to potential fraud. 

Consequences of Inaccurate Reporting These reporting errors have led to a substantial drop in my credit score and have severely affected my financial standing. The refusal to address my disputes and remove the accounts in question violates my rights under the Fair Credit Reporting Act ( FCRA ), as well as 15 U.S.C. 1666c.

My Requests I respectfully request that the CFPB investigate this matter and take action to ensure that XXXX XXXX  and Equifax complies with the FCRA and my rights under 15 U.S.C. 1666c. I am seeking the immediate removal of the XXXX account ending in XXXX, the XXXX account ending in XXXX, and the fraudulent transaction associated with the XXXX XXXX  credit card account from my credit report. Additionally, I urge them to address the risks posed by Equifax 's request for sensitive personal information by mail. 

Thank you for your attention to this matter. I look forward to your prompt resolution.