Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally submitting this complaint against Experian, Equifax, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal identity theft laws. 

Despite previous disputes, the credit bureaus have failed to correct inaccurate, unverifiable, and fraudulent information on my credit report. Additionally, I have reason to believe that these bureaus have allowed my personal information to be misused and compromised, which constitutes identity theft and a violation of my financial privacy rights. 

I initially filed a complaint with the CFPB last month, but it was closed the same day without proper review. I am now escalating my case and attaching my FTC Identity Theft Report for further documentation. 

Summary of Violations Misreporting Charge-Offs as Debt The IRS defines a charge-off as gross or ordinary income, not a reportable debt.

Under IRS 1099-C guidelines, a charge-off must be treated as income if {$600.00} or more is canceled. Violation of FCRA ( 15 U.S.C. 1681s-2 ) : Reporting charge-offs as outstanding debts is unlawful. 

Failure to Mark Disputed Accounts as Disputed 15 U.S.C. 1681s-2 ( a ) ( 3 ) requires that any disputed account must be marked as such on my credit file.Experian, Equifax, and TransUnion have failed to properly mark my disputed accounts, violating this law.

Illegal Re-Aging of Accounts 15 U.S.C. 1681c prohibits credit bureaus from altering the date of first delinquency to extend the reporting period.I request a thorough investigation into whether these credit bureaus have illegally re-aged any of the accounts I have disputed. 

Failure to Provide Debt Validation 15 U.S.C. 1692g ( a ) requires furnishers to provide a written notice with key details of a debt within five days of reporting.I never received validation for the disputed debts, violating my consumer rights. 

Identity Theft and Privacy Violations The credit bureaus have allowed my personal information to be used fraudulently, associating debts with my identity that I never authorized. This constitutes identity theft under : 18 U.S.C. 1028 Fraud and Related Activity in Connection with Identification Documents. 18 U.S.C. 1029 Fraud Related to Access Devices .15 U.S.C. 1681n & 1681o Civil Liability for Willful and Negligent Noncompliance with the FCRA .The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Unauthorized disclosure of my personal information violates my financial privacy rights. 

By failing to properly verify accounts, Experian, Equifax, and TransUnion have : Compromised my personal information without consent.

Allowed furnishers to report fraudulent accounts under my name.

Violated my rights under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). 

I demand that the CFPB investigate how my personal information was misused and require the credit bureaus to strengthen their identity verification processes to prevent future fraudulent activity. 

I am disputing the following accounts for inaccurate, unverifiable, or unlawful reporting : 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