Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax, Experian, and TransUnion regarding their continued failure to address multiple fraudulent and inaccurate accounts on my credit report. These accounts were opened without my knowledge or consent, and despite multiple disputes, the Credit Bureaus have failed to properly investigate and remove these items, in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

1. Violations Committed by the Credit Bureaus a. Failure to Ensure Maximum Possible Accuracy Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. The fraudulent accounts, incorrect personal information, and unauthorized inquiries remain on my credit report, indicating noncompliance.

b. Failure to Conduct a Proper Investigation Under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed items within 30 days. My disputes have remained unresolved, exceeding this legally mandated timeframe.

c. Failure to Notify of Debt Validation Under 15 U.S.C. 1692g, creditors must provide written notification of debts within five days of reporting them. This was not done for the fraudulent accounts listed below, rendering these debts illegitimate. 

d. Failure to Protect Consumer Information Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), financial institutions, including credit bureaus, must protect consumer data. The presence of fraudulent accounts suggests my personal data was compromised.

e. Identity Theft Violations Under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), identity theft is a federal offense. The bureaus failed to properly handle my identity theft claim, violating my federal protections.

2. Fraudulent Accounts Listed on My Credit Reports The following fraudulent accounts must be permanently removed from my credit reports : XXXX XXXX XXXX ( Account # : XXXX ) XXXX  XXXX XXXX XXXX Account # : XXXX ) XXXX  XXXX ( Account # : XXXX / XXXX / XXXX**** / XXXX ) XXXX  XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX  XXXX XXXX  ( Account # : XXXX ) XXXX. Unauthorized Credit Inquiries I have identified multiple unauthorized credit inquiries from : 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 These inquiries were unauthorized and must be removed. 

XXXX. Incorrect Personal Information Fraudulent names and incorrect addresses appearing on my credit reports must also be removed, including : Incorrect Names : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested Actions I am requesting the CFPB to enforce the following actions : Immediate and Permanent Removal : Remove all fraudulent accounts and unauthorized inquiries from my credit report. 

Written Confirmation : Provide a formal statement confirming the removal of the disputed items and an updated copy of my credit report. 

Full Investigation : XXXX a thorough review of my identity theft claim and how these accounts were fraudulently added. 

XXXX XXXX : Impose fines or legal action against the Credit Bureaus for failing to comply with federal regulations. 

Identity Theft Protections : Ensure the Credit Bureaus provide fraud alerts and support resources, as required under XXXX XXXX. XXXX ( XXXX ). 

XXXX. Enclosures I am providing the following supporting documents : Copy of my government-issued ID Copy of my Social Security XXXX Police reports regarding identity theft Proof of address I appreciate the CFPB 's XXXX attention to this matter. Please notify me in writing regarding any updates or resolutions to my complaint. 

Sincerely,