Product: Credit reporting or other personal consumer reports

This formal complaint is being submitted against Equifax, Experian, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Nevada Revised Statutes ( NRS ) Chapter 598C, and other consumer protection laws. 

Despite multiple dispute letters being sent to the credit reporting agencies, the disputed accounts, unauthorized inquiries, and inaccurate personal information remain on my credit report, in violation of my consumer rights. 

Disputed Accounts ( Unverified & Inaccurate ) The following accounts remain on my credit reports despite being disputed for inaccuracy, lack of verification, and failure to meet the FCRA standards for data integrity and accuracy : XXXX ( Account # : XXXX ) XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) Violations Committed : Failure to Verify Accuracy ( 15 U.S.C. 1681i, NRS 598C.130 ) : The bureaus are required to verify disputed accounts within 30 days, yet no valid verification was provided. 
Failure to Maintain Accuracy ( 15 U.S.C. 1681e ( b ) ) : The reported information is erroneous and incomplete, constituting an FCRA violation.

Failure to Provide Proof of Debt ( 15 U.S.C. 1692g FDCPA, NRS 598C.160 ) : No original signed contracts or legally sufficient documentation were presented to validate these debts. 
Disputed Credit Inquiries ( Unauthorized & Inaccurate ) The following credit inquiries were either unauthorized, inaccurately reported, or lack proper documentation of permissible purpose and must be removed : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Violations Committed : Unauthorized Access to Credit Report ( 15 U.S.C. 1681b, NRS 598C.130 ( 2 ) ) : These inquiries lack permissible purpose, violating federal and state laws. 
Failure to Remove Unverified Inquiries ( 15 U.S.C. 1681i, NRS 598C.170 ) : Since no documentation proving permissible access has been provided, these inquiries must be deleted. 
Disputed Personal Information ( Incorrect & Outdated ) My credit report contains multiple inaccuracies in personal information, including incorrect addresses and names, which persist despite my formal disputes. 

Violations Committed : Failure to Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ), NRS 598C.130 ) : The bureaus must ensure the maximum possible accuracy of the information they report. 
Legal Justification for Immediate Bureau Enforcement Pursuant to FCRA and Nevada state laws, the following violations require immediate regulatory action : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i, NRS 598C.160 ) Failure to Mark Accounts as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ), NRS 598C.170 ) Failure to Notify Consumer of Investigation Results ( 15 U.S.C. 1681i, NRS 598C.170 ) Failure to Block Fraudulent Accounts upon Request ( 15 U.S.C. 1681c-2, NRS 598C.300 ) The credit bureaus have willfully ignored federal and state law requirements, violating my consumer rights. Their failure to comply with legally mandated investigation procedures has resulted in inaccurate and harmful reporting. 

Demand for CFPB Enforcement I am requesting that the CFPB take the following enforcement actions : Order Equifax, Experian, and TransUnion to Remove all the disputed accounts, inquiries, and inaccurate personal information from my credit report immediately. 
Compel the Bureaus to Provide Proper Verification for any remaining disputed items, including original signed agreements proving the debts. 
Initiate Regulatory Sanctions & Consumer Restitution for noncompliance with the FCRA and Nevada state laws.

Refer the Matter for Potential Legal Action against these credit bureaus for their ongoing violations. 
Legal Consequences for Noncompliance If these violations are not addressed promptly, I reserve the right to take further legal action, including : Filing formal complaints with the Federal Trade Commission ( FTC ) and Nevada Attorney General Seeking monetary damages under NRS 598C.190 and NRS 598C.200 Pursuing a class-action lawsuit for systemic noncompliance with FCRA regulations I expect full compliance within 30 days from the date of this complaint submission. Please provide me with a written resolution and confirmation that these disputed items have been removed or fully verified. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX