Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax, Experian, and TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, and other federal and state consumer protection laws. The credit reporting agencies have repeatedly failed to remove fraudulent accounts and inquiries from my credit report despite multiple dispute attempts. I urge the CFPB to take immediate enforcement action to permanently block these accounts from reappearing and to impose penalties for their non-compliance.

Violations Across All Bureaus : Failure to Notify Consumers ( 15 U.S.C. 1692g ) Creditors failed to provide written notification within five days of reporting debts.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) The bureaus are required to maintain maximum accuracy in credit reporting, yet they have allowed incorrect balances, high credit limits, open dates, and payment histories to persist.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) My disputes remain unresolved despite exceeding the 30-day investigation window.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) The credit bureaus have not provided sufficient reinvestigation after my disputes remained unresolved. 

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) My private consumer data was compromised, resulting in fraudulent accounts and inquiries.

Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) The bureaus have failed to implement federally required identity theft protections.

Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) The credit bureaus have neglected to implement fraud alerts or identity theft victim resources.

State Law Violations ( XXXX XXXX XXXX XXXX XXXXXXXX ) The bureaus are required under state law to correct fraudulent information but have failed to comply. 

Fraudulent Accounts and Associated Violations : XXXX XXXX ( Account : XXXX ) ** Violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ), XXXX XXXX, XXXX XXXXXXXX XXXX XXXXReported ( XXXX, XXXX ) ** Violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX Self-Reported ( XXXX XXXX XXXX ) ** Violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), XXXX XXXX Credit Collection Accounts ( XXXX, XXXX ) ** Violates FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ), XXXX XXXX XXXX XXXX ( XXXX ) ** Violates FCRA 607 ( b ) , 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ), 18 U.S.C. 1028 Fraudulent Inquiries Across All Bureaus : 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 Requested Action : Immediate and Permanent Removal of Fraudulent Accounts and Inquiries from my credit report. 

Written Confirmation of Removal from each bureau along with an updated credit report. 

Enforcement of Identity Theft Protections under federal and state laws, ensuring I am not further victimized. 

Imposition of Penalties on XXXX, Experian, and XXXX for repeated violations of the FCRA, FDCPA, and other consumer protection laws. 

Investigation into How These Accounts Were Opened and full disclosure of findings. 

Supporting Documents : Copy of my government-issued ID Copy of my Social Security card Police report regarding identity theft Proof of address These agencies have failed to meet their legal obligations despite multiple disputes and warnings. Their willful noncompliance has resulted in financial harm and emotional distress. I urge the CFPB to take immediate regulatory action to ensure these fraudulent accounts are permanently blocked from reappearing on my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely,