Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Violations of FCRA and Unauthorized Reporting by Multiple Credit Reporting Agencies Incident Report : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Badge Number XXXX To Whom It May Concern, I am filing this formal complaint against XXXX, XXXX, Equifax, XXXX, XXXX, and XXXX their persistent failure to abide by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Act ( FDCA ) guidelines, which protect my rights as a consumer. Despite my numerous efforts to address these issues at a lower level directly with the reporting agencies and furnishers of information, they have continually failed to correct or properly investigate the inaccuracies and unauthorized reporting on my credit files. 

The agencies mentioned above have disregarded their responsibility under the FCRA to maintain accurate information and have failed to act upon my requests for corrections. Moreover, they have allowed unauthorized inquiries and the furnishing of inaccurate information, violating my consumer rights. 

Personal Information Inaccuracies : 1. Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Incorrect Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Unauthorized Inquiries ( FCRA Violations- 15 U.S. Code 1681b ) : Despite my direct attempts to fix these inaccuracies, the following institutions have made unauthorized inquiries into my credit reports. These inquiries were made without my consent, and despite my demands for deletion, the reporting agencies have failed to comply with FCRA guidelines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my explicit authorization, violating 15 U.S. Code 1681b. I demand immediate deletion of these inquiries from my credit reports by XXXX, XXXX, Equifax, XXXX, XXXX, and XXXX. 


Violations of Timing of Payments ( TILA Violation - 15 U.S. Code 1666b ) : XXXX. XXXX XXXX XXXX Account Number : XXXX Please update the status of this account. 

XXXX. XXXX Account XXXX : XXXX Please update the status of this account. 


Legal Citations for Reference : - FCRA Section 602 ( a ) : Responsibility of consumer reporting agencies to protect privacy.

- 15 USC 6801 & 6802 : Financial institutions ' obligation to respect privacy and provide disclosure options.

- 15 USC 1681c ( a ) ( 5 ) : Prohibition against reporting adverse information beyond the seven-year limit.

- 15 USC 1681s2 ( A ) ( 1 ) ( A ) : Prohibition against furnishing inaccurate information to consumer reporting agencies. 
- 15 USC 1681e : Obligation to maintain reasonable procedures to ensure accuracy.

- 12 CFR 1016.7 : Consumer 's right to opt-out.

Despite my repeated efforts to address these violations directly with the reporting agencies, they have failed to take the necessary corrective actions. As such, I am formally escalating this matter to the CFPB. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, previously given to XXXX, XXXX, Equifax, XXXX, XXXX, and XXXX, and any furnishers of information to these agencies. 

I also demand a reinvestigation of the procedures used to verify the accuracy of these entries and require a written explanation of these procedures within 15 days of completing the reinvestigation. Failure to address and correct these violations will result in further legal actions.