Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Persistent Violations of Privacy Rights, Inaccurate Reporting, and Noncompliance with Validation Requests Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX, XXXX, Equifax, and the third-party all third party collection agencies associated with my credit information. The violations encompass unauthorized access, dissemination of inaccurate information, and noncompliance with validation requests, constituting blatant disregard for the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Health Insurance Portability and Accountability Act ( HIPAA ), and additional legal provisions.

Unauthorized Access and Dissemination of Credit Information : Despite my explicit consent being paramount, my sensitive information has been improperly accessed and disseminated to non-affiliated third-party collection agencies, a direct violation of my privacy rights under the FCRA and HIPAA.

Reference : FCRA - 15 USC 1681 et seq.

Reference : HIPAA - 42 USC 1320d et seq.

Inaccurate Reporting and Updating of Accounts : Despite my persistent efforts, the reported information has not been rectified, and certain accounts have been inaccurately updated and re-aged, directly infringing upon my rights under the FDCPA.

Reference : FDCPA - 15 USC 1692 et seq.

Inquiries Without Permissible Purposes : Non-affiliated entities have made inquiries not connected to open accounts, undermining the accuracy and integrity of my credit report without permissible purposes, to be removed immediately and permanently along with all collections, charge offs and closed accounts which hold violations as well.

Reference : FCRA - 15 USC 1681 et seq.

Violations of Federal Reserve Act, Section 16, Part Two : The transformation of initial applications with original creditors into collateral security and their subsequent sale to third-party debt collectors, non-affiliated companies, constitutes a violation of the Privacy Act, HIPAA, and the FDCPA.

Reference : Federal Reserve Act, Section 16, Part Two.

Noncompliance with Validation Requests : I have diligently requested validation of the reported accounts annually over the past three years. The responses received have been inconsistent, with verification provided, and on other occasions, I have been told that there are no reports connected to my name. This inconsistent response is a violation of the FCRA, which mandates accurate and complete reporting. 

Reference : FCRA - 15 USC 1681 et seq.

I hereby revoke all permissions for these entities to report any information about me, asserting my right to privacy, the right to be informed, and the right to provide or deny permission for the display of any adverse information on my credit report.

I kindly request a thorough investigation into the following violations : Unauthorized access and dissemination of my credit information.

Inaccurate reporting and updating of accounts by third-party collection agencies.

Inquiries without permissible purposes.

Violations of the Federal Reserve Act, Section 16, Part Two.

Noncompliance with validation requests.

I request the removal of all unauthorized inquiries and inaccurate information from my credit reports. Additionally, I seek compensation of {$1000.00} per violation per CFPB code, per company, and per credit agency for their blatant and continued violations.

Please consider the referenced legal provisions supporting my claims and initiate an investigation into this matter promptly to avoid having to escalate the matter to claiming identity theft and securities fraud.

I opt out of all reporting per my right due to the above violations. I revoke all implied, assumed, written, unwritten, verbal and non verbal consent to furnish any adverse action or information to the credit report in the future.