Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate and decisive enforcement action against Equifax, Experian, and TransUnion for their flagrant and ongoing violations of federal consumer protection laws. These agencies have engaged in willful noncompliance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, the Identity Theft and Assumption Deterrence Act, and the Metro 2 reporting guidelines , thereby causing substantial harm to me as a consumer. 

Despite my formal dispute letters sent on XX/XX/year>, these credit reporting agencies have failed to correct fraudulent accounts, unauthorized inquiries, and personal information inaccuracies in my credit file. Their failure to investigate, correct, and ensure accuracy of reported data constitutes deliberate violations of multiple statutes, warranting immediate regulatory enforcement and legal repercussions. 

I. Background and Disputed Items A. Fraudulent Accounts The following accounts have been reported fraudulently, exhibiting egregious discrepancies across credit bureaus including inconsistent open dates, balances, payment histories, and account statuses, all in direct violation of FCRA 1681e ( b ), FCRA 1681i ( a ), and Metro 2 guidelines : Equifax : XXXX XXXX ( Account # : XXXX ) Incorrect credit limit reported ; inconsistent open dates. 

XXXX XXXXXXXX ( Account # : XXXX ) Paid charge-off reported inaccurately ; conflicting balances. 

XXXX XXXX XXXX ( Account # : XXXX ) Charged-off account, closed by credit grantor ; varying reporting details across bureaus. 

XXXX ( Account # : XXXX ) Charged-off account with conflicting payment history. 

XXXX XXXX ( Account # : XXXX ) Inconsistent dispute resolution markings. 

XXXX XXXX XXXXXXXX ( Account # : XXXX ) Charged-off account, closed by credit grantor ; discrepancies in account status. 

Experian : XXXXXXXX XXXX XXXX Account # : XXXX ) Incorrectly reported as sold to XXXX XXXX ; balance discrepancies. 

XXXX  XXXX ( Account # : XXXX ) Account legally paid in full but still reported inaccurately. 

XXXX XXXX  XXXX ( Account # : XXXX ) Closed due to inactivity ; incorrect balance reported as a loss. 

XXXX XXXX ( Account # : XXXX ) False delinquency and balance reporting. 

XXXX XXXX XXXX ( Account # : XXXX ) Paid in full but incorrectly reported as a loss. 

XXXX  ( Account # : XXXX ) Loss reported inconsistently. 

XXXX XXXX ( Account # : XXXX ) False dispute resolution status. 

XXXX XXXX XXXXXXXX ( Account # : XXXX ) Conflicting information on closure status. 

XXXX : XXXX XXXX ( Account # : XXXX ) Incorrect dispute resolution status. 

XXXX XXXX  XXXX ( Account # : XXXX ) Charged-off, canceled by credit grantor ; inconsistent with XXXX report. 

XXXX XXXX XXXX ( Account # : XXXX ) Settled but misreported. 

XXXX XXXX XXXXccount # : XXXX ) Discrepancies in charge-off reporting. 

XXXX XXXX ( Account # : XXXX ) Failure to match XXXX XXXX dispute resolution rules. 

XXXX XXXX XXXXXXXX ( Account # : XXXX ) Charged-off but inconsistently recorded. 

B. Unauthorized Credit Inquiries These inquiries were unauthorized and unlawfully reported in violation of FCRA 1681b ( a ) ( 2 ), which requires express consumer consent : Experian Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Report XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information In direct violation of FCRA 1681c ( a ), the following names and addresses have been reported inaccurately and must be removed immediately : Incorrect Names : XXXXXXXX XXXX XXXXXXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. Legal Violations & Enforcement Justification The following violations of federal law require immediate CFPB enforcement : FCRA 1681e ( b ) : Failure to ensure accuracy of reported information. 

FCRA 1681i ( a ) : Failure to conduct reasonable reinvestigations of disputes.

FCRA 1681s-2 ( a ) : Furnishers ' failure to report accurate information.

FCRA 1681c ( a ) : Reporting obsolete or inaccurate personal data.

FCRA 1681b ( a ) ( 2 ) : Unauthorized inquiries without express consumer consent.

FDCPA 1692g : Failure to validate debts upon consumer request.

Gramm-Leach-Bliley Act 6801-6809 : Failure to protect consumer financial data.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Unlawful reporting of fraudulent accounts. 

Metro 2 Reporting Guidelines : Gross inconsistencies in reporting data between agencies.

III. Demands for Immediate Enforcement Given the documented violations, I demand immediate enforcement action from the CFPB as follows : Mandate Immediate Removal and Permanent Blocking of all fraudulent accounts, unauthorized inquiries, and incorrect personal information under FCRA 1681c ( a ) and 1681i ( a ).

Issue Fines and Penalties against Equifax, Experian, and TransUnion for continued violations of federal law.

Enforce Compliance with Metro 2 Reporting Standards to ensure accurate and consistent data across all three bureaus. 

Order Written Confirmation and Corrective Action ensuring my credit reports reflect these mandated corrections.

Failure to act will result in further escalation, including litigation for statutory damages under FCRA 1681n and 1681o and formal complaints filed with the Federal Trade Commission ( FTC ).

IV. Enclosures The following supporting documents are enclosed : Copies of all dispute letters sent to Equifax, Experian, and TransUnion. 

Government-issued ID. 

Social Security card. 

Police reports documenting identity theft. 

Proof of address. 

I certify under penalty of perjury that all information contained herein is true and accurate. I demand immediate CFPB intervention to rectify these violations and enforce compliance against the credit reporting agencies. 

Sincerely, XXXX XXXX XXXX