Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, I am filing a formal complaint against Equifax for its failure to correct inaccurate information on my credit report, mismanagement of my credit file, wrongful suppression of my credit score, and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes over XXXX days, Equifax has failed to correct or remove inaccurate information related to my XXXX XXXX XXXX account and has acknowledged that my credit file was improperly merged with another consumers file. These errors have damaged my creditworthiness and caused financial harm, and Equifax has knowingly violated multiple provisions of the FCRA. 

Violations & Issues : XXXX. Failure to Correct Inaccurate XXXX XXXX XXXX Account Information ( FCRA Violation 15 U.S.C. 1681e ( b ) & 1681i ( a ) ) The balance, account duration, and loan term for my XXXX XXXX XXXX account are incorrect on my credit report. 

The account falsely states that I still owe {$12000.00}, but the actual remaining balance does not match this amount. 

The reported loan term and payment history are incorrect, falsely indicating missed payments and an improper timeline of payments. 

Equifax has failed to properly investigate and correct these errors within the legally required XXXX timeframe, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX. Merging My Credit File with Another Consumer ( FCRA Violation 15 U.S.C. 1681e ( b ) ) An Equifax representative confirmed that my credit file had been improperly merged with another consumers credit file. 

This error has resulted in incorrect account data, misreported credit history, and possible fraudulent information appearing on my credit report. 

Equifaxs failure to maintain accurate records and prevent file mix-ups violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy in consumer reports. 

XXXX. Unexplained Suppression of My Credit Score After Disputes ( FCRA Violation 15 U.S.C. 1681e ( b ) ) Since submitting disputes, I have noticed a significant drop in my credit score rather than an improvement after removing inaccurate data. 

Equifax has failed to provide any valid explanation for this unjustified score suppression. 

This act suggests deliberate manipulation of my creditworthiness, violating 15 U.S.C. 1681e ( b ), which mandates the accuracy of credit reporting. 

XXXX. Failure to Correct Personal Information ( FCRA Violation 15 U.S.C. 1681c ) Equifax continues to report incorrect personal details, including : Incorrect address : The only correct address that should appear on my report is XXXX XXXX XXXX, XXXX, GA XXXX. 

Incorrect employer information : My correct employer is XXXX XXXX XXXX, but Equifax continues to report incorrect employer details. 

Under 15 U.S.C. 1681c, Equifax is legally required to ensure that personal identifying information is accurate. 

XXXX. Negligence in Protecting My Credit Information & Impact of Data Breach ( 15 U.S.C. 1681c-1 ( i ) ) Equifaxs well-documented XXXX data breach exposed my personal information, which may have contributed to these inaccuracies and unauthorized account activity. 

Equifax failed to safeguard my private information, violating 15 U.S.C. 1681c-1 ( i ), which requires credit bureaus to protect consumer data from identity theft risks. 

Urgent Action Requested XXXX  Days Since Equifax has already exceeded the legal dispute resolution timeframe, I demand the following immediate corrective actions through Rapid Rescoring ( RAP ) : XXXX. Equifax must verify or permanently remove the XXXX XXXX XXXX account if inaccuracies persist. 

XXXX. Equifax must correct my credit file to ensure it is no longer merged with another consumers file. 

XXXX. Equifax must restore my credit score and correct any wrongful score suppression. 

XXXX. Equifax must update my personal information to reflect only my correct address and employer ( XXXX XXXX XXXX ). 

XXXX. Equifax must provide written confirmation of these corrections within XXXX  days. 

Next Steps if Equifax Fails to Comply If Equifax does not take corrective action within XXXX  days, I will escalate this complaint to : The District Attorney for further legal action. 

The Internal Attorney General for enforcement of FCRA violations. 

A lawsuit seeking statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n, plus actual damages and legal fees.

I expect an urgent response and resolution to this matter. Please confirm receipt of this complaint and provide updates on the CFPBs actions. You may contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Sincerely, XXXX XXXX