Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Complaint Regarding Personal Information Update & Investigation of Potential Identity Theft Dear CFPB, I am submitting this formal complaint regarding the failure of the credit reporting agencies ( TransUnion, Experian, and Equifax ) to properly update my personal information and investigate potential identity theft concerns. Despite multiple written requests, phone calls, and online submissions, my personal information remains incorrect, and discrepancies across my credit reports continue to raise serious concerns. 

I. Failure to Update Personal Information I have repeatedly requested updates and corrections to my personal information, yet the credit bureaus have failed to comply. My specific requests are as follows : Full Legal Name : My full legal name is XXXX XXXX. Please ensure that only this name is listed on my credit reports. 

Address Update : Delete all outdated and irrelevant addresses. 

The only valid address to remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Numbers : Remove all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : For privacy reasons, remove my Social Security number and date of birth from public display on my credit report. 

Employer Information : Delete all employer information currently listed on my credit report. 

II. Inconsistencies Across Credit Reports I have identified multiple discrepancies across my credit reports from TransUnion, Experian, and Equifax, indicating potential identity theft : Account Number Discrepancies : The same account appears with different numbers across the three bureaus, raising concerns of unauthorized tampering.

Payment Status Inconsistencies : Different bureaus report conflicting payment statuses, indicating possible fraudulent activity or reporting errors. 

Address Variations : My addresses differ across the three bureaus, suggesting unauthorized use of my identity. 

Employer Information Variances : Different employers are listed across my reports, further signaling potential identity theft. 

III. Impact of Data Breaches & Failure to Protect My Information I have been a victim of multiple data breaches, including : Equifax ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX ( XXXX ) : XXXX XXXX records leaked, including passport numbers. 

Experian ( XXXX ) : Millions of Social Security numbers and credit histories compromised. 

As a result, fraudulent accounts have been opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus failed to take necessary actions, increasing my risk of financial harm. 

Additionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, in violation of : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.