Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax and XXXX due to their faulty intake procedures, failure to properly validate creditor responses, and violations of the Fair Credit Reporting Act ( FCRA ). These credit bureaus have engaged in unfair and deceptive practices that have negatively impacted my credit report and financial standing. 
1. Failure to Conduct a Proper Investigation ( Violation of 15 U.S.C. 1681i ( a ) ) Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. However, in my case : The credit bureaus accepted the creditors response without proper validation, even though the creditor is known to be unreliable and has provided incorrect or misleading information.

No meaningful reinvestigation was conducted, and the bureaus relied entirely on automated responses from the creditor instead of verifying the accuracy of the disputed information.

My requests for supporting documentation and actual proof of debt ownership were ignored.

This failure to conduct a proper reinvestigation violates the FCRA and deprives me of my legal right to accurate credit reporting.

2. Reinsertion of Previously Removed Information Without Proper Notice ( Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The credit bureaus have improperly reinserted negative information that was previously deleted, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires : Certification from the furnisher that the information is accurate.

Written notice to the consumer within five business days of reinsertion.

However, I was not notified of the reinsertion of the negative items, nor was proper certification provided proving their validity. This practice is deceptive and misleading and has caused undue harm to my credit standing.

3. Providing Misleading and Incorrect Information ( Violation of 15 U.S.C. 1681e ( b ) ) Under 15 U.S.C. 1681e ( b ), credit bureaus must maintain procedures to assure maximum possible accuracy of consumer reports. Instead, they : Sent back misleading or incorrect information in response to my disputes.

Failed to verify the accuracy of disputed accounts before maintaining them on my credit report.

Continued to report inaccurate information despite my multiple dispute requests.

By neglecting their responsibility to ensure accurate and fair reporting, they have engaged in unfair and deceptive practices that harm consumers.

4. Consumer Harm and Requested Resolution The credit bureaus faulty procedures have caused significant financial harm, including : Lowered credit scores due to inaccurate and unverifiable negative reporting.

Denial of credit opportunities due to incorrect information.

Time, effort, and stress associated with repeatedly disputing inaccurate data.

I am seeking the following corrective actions : Immediate removal of all unverifiable, misleading, or inaccurately reported items from my credit report.

Proof of validation for any remaining disputed accounts, including documentation that meets FCRA standards.

A full review of their dispute investigation process to ensure compliance with FCRA Section 611 and proper handling of consumer disputes.

Monetary damages and penalties for their failure to comply with federal law.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take appropriate enforcement actions to hold Equifax and XXXX accountable for their failure to uphold consumer protection laws.