Product: Credit reporting or other personal consumer reports

i am filing this formal complaint against Equifax, Experian, and TransUnion for their continued violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant statutes. These credit bureaus have failed to adhere to their legal obligations, resulting in severe financial and reputational harm to me. Despite my formal disputes and documented evidence, they have refused to comply with federal and state laws governing consumer credit reporting and fraud protections. 

Summary of Violations : Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The bureaus continue to report multiple fraudulent and inaccurate accounts on my credit report, despite my formal disputes. 

Discrepancies exist in balances, open dates, high credit limits, and payment histories across bureaus, indicating a failure to ensure accuracy. 

Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) : The bureaus have failed to conduct a proper reinvestigation of disputed accounts within the required 30-day timeframe.

My previous disputes have been ignored or improperly addressed, violating the statutory requirement to conduct thorough reinvestigations.

Failure to Remove or Block Fraudulent Accounts ( 15 U.S.C. 1681c-2 ) : Despite providing police reports, identity theft affidavits, and supporting documentation, fraudulent accounts remain on my credit file. 

These accounts were opened without my knowledge or consent, yet the bureaus continue to report them, harming my financial standing. 

Failure to Notify Consumers of Debt Validation ( 15 U.S.C. 1692g ) : Creditors and collection agencies have reported debts without providing validation notices within the required five-day period.

The bureaus have failed to demand verification from furnishers, leading to continued reporting of unverifiable debts.

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) : The bureaus have failed to safeguard my personal information, resulting in fraudulent accounts and unauthorized credit inquiries.

Failure to Remove Unauthorized Inquiries ( 15 U.S.C. 1681b ) : Unauthorized credit inquiries by financial institutions and lenders remain on my credit report, affecting my credit score and ability to obtain credit. 

Failure to Provide Identity Theft Protections ( 15 U.S.C. 1681g ( e ) ) : The bureaus have not provided the required fraud alerts or resources despite clear evidence of identity theft. 

Specific Fraudulent Accounts and Inquiries : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demands : Permanent Removal and Blocking of Fraudulent Accounts and Inquiries per FCRA requirements. 

Written Confirmation of deletions and a free updated copy of my credit report. 

Compliance with Identity Theft Protections, including placement of fraud alerts and victim resources. 

Full Investigation into These Violations with documented findings. 

Enforcement Action by the CFPB to ensure Equifax, Experian, and TransUnion adhere to federal laws. 

I have attached supporting documents, including identity verification, police reports, and previous dispute letters. 

Failure to comply will result in further legal action. 

Sincerely,