Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Equifax Information Services LLC Dear XXXX XXXX, I am writing to formally lodge a complaint against Equifax Information Services LLC regarding their willful noncompliance and mishandling of my credit file, particularly concerning inaccuracies in my personal information. This complaint is in direct response to Equifax 's reply to my previously submitted complaint to the CFPB on XX/XX/year>. In their response, Equifax focused solely on the non existence of the recently deleted, WORLD ACCEPTANCE tradeline, which I mentioned only as a supporting detail regarding the mishandling of my credit file. 

Out of the 13 attachments I submitted, Equifax selectively referenced just one photo related to the XXXX XXXX account while neglecting to address the substantial evidence I provided that details the inaccuracies in my personal information. This selective response is not only troubling but also indicative of a broader trend of negligence that violates several consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to ensure the accuracy of the information it reports and to conduct a reasonable investigation of disputes it receives. Equifax has failed in this regard by ignoring substantial evidence and inadequately addressing my disputes. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) mandates that companies refrain from engaging in misleading or deceptive practices, which I believe Equifax has violated through their inadequate communication and response process. 

Moreover, the Federal Trade Commission ( FTC ) provides clear guidelines regarding the responsibilities of credit reporting agencies, emphasizing their duty to protect consumer rights. The failure of Equifax to adhere to these guidelines not only undermines consumer trust but also has tangible negative impacts on my financial well-being. 

I also wish to invoke references from the False Claims Act, which allows for legal recourse and compensation for damages arising from willful noncompliance with established laws and procedures. The patterns of misconduct demonstrated by Equifax warrant a serious response and lend strong support to my demand for compensation. 

Given the issues outlined above, I am formally demanding compensation in the amount of ** XXXX XXXX for the extensive damages I have suffered as a result of Equifax 's continued negligence and failure to address my valid complaints. This demand runs concurrently with my previously submitted complaint concerning an additional **30  pieces of correspondence** from Equifax that negated any action related to my disputes or further requests for identity verification, despite having provided sufficient supporting documentation. Compounding this issue, I received another **10 identical correspondences** just yesterday, indicating an ongoing pattern of neglect and disregard for my consumer rights. 

Furthermore, I insist on the **permanent deletion and removal of the XXXX XXXX XXXX from my credit report due to Equifax 's failure to obtain the required methods of verification, including contracts with written signatures and pertinent correspondence. This represents a breach of both the FCRA and the False Claims Act and illustrates a process failure on the part of Equifax. 

These credit reporting issues have persisted for over **four months** since my initial FTC fraud alert submission, but are part of a broader history of mishandling that has spanned over **six years**. My experience began with the removal of the XXXX XXXX tradeline due to fraud, only to have it resubmitted by its parent company, XXXX XXXX. This account inaccurately reported an illegal accruing balance of XXXX XXXX  monthly for **81 months**. It was only after persistent complaints to the XXXX, FTC, and CFPB that this erroneous account was finally removed from my credit file. 

I urge you to take immediate action to investigate these serious violations and enforce the necessary changes to prevent further mishandling of my personal information. I look forward to your prompt response and a resolution that addresses the damages I have endured. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX ] Unit XXXX XXXX, GA XXXX