Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Equifax for FCRA Violations and Misrepresentation Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and misrepresented information on my credit report. Despite my repeated efforts to address these inaccuracies, Equifax has failed to correct the errors and continues to report misleading information regarding an account with the Department of EducationXXXX XXXX Account Number XXXX ). 

Summary of Dispute The account in question is being reported inconsistently by Equifax and other credit bureaus, including XXXX. Equifax provided a report ( Report Number XXXX, Date Generated : XX/XX/XXXX ), stating that the disputed item was verified. However, the details of the payment history differ significantly : Equifaxs Report shows 90-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX Report shows 90-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
These discrepancies are not minor ; they are clear errors and misrepresentations of my payment history. Furthermore, no report correctly represents the progression of late payments ( 30 days, 60 days, 90 days ). I have never been late as described, and this false reporting violates my rights under the FCRA. Legal Violations Under the FCRA ( 15 U.S.C. 1681 et seq.
), Equifax has specific legal obligations to ensure the accuracy and fairness of consumer reporting. The violations in this case include : Section 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information. 
Section 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days.

Section 1681i ( a ) ( 5 ) ( A ) : Failure to delete or modify disputed information that can not be verified or is found to be inaccurate. 
These failures constitute a significant violation of my consumer rights, as Equifax is knowingly reporting conflicting and inaccurate information, thereby damaging my creditworthiness. 

Request for Immediate Action I demand the following actions be taken immediately to address this ongoing misrepresentation : Immediate Deletion of the Account : If Equifax can not provide concrete documentation validating the accuracy of the disputed account, including the name and employee number of the individual who verified the information, this account must be removed from my credit report. I am not requesting an automated XXXXXXXX review but a detailed explanation of the validation process. 
Provision of Validation Documentation : Equifax must provide all documents and evidence used to verify the accuracy of this account, including direct communication with the furnisher of the information. 
Investigation by the CFPB : I request the CFPB to thoroughly investigate Equifax for its repeated violations of the FCRA and failure to uphold its legal obligations. 
Legal Precedent Supporting My Case FTC vXXXX Equifax Credit Information Services , Inc., XXXX XXXX XXXX XXXXXXXX : This case highlighted the responsibility of credit reporting agencies to ensure accurate reporting and the consequences of failing to address consumer disputes appropriately. 
FTC XXXX XXXX XXXX XXXX XXXX XXXX, Civil Action No. XXXX : Demonstrated the accountability of credit bureaus for inaccuracies and the need for reasonable investigation procedures. 
Conclusion Equifaxs continued misrepresentation of this account and its failure to conduct a proper investigation into my dispute are clear violations of the FCRA. These actions have caused undue harm to my financial standing and must be addressed immediately. 

I trust the CFPB will take swift and decisive action to hold Equifax accountable and ensure compliance with federal laws designed to protect consumers like myself. 

Please contact me if additional documentation or information is required to assist in your investigation. 

Sincerely, XXXX XXXX