Product: Credit reporting or other personal consumer reports

What Happened : I XXXX XXXX on multiply disputes and CFPB, FTC complaints since XXXX of XXXX I did a CFPB compliant then Equifax has locked me out of my account Equifax has placed a special type of lock ( not the consumer requested lock ) on my account that they will only unlock after I specifically request it without my knowledge leading to a decrease in credit score this is a violation to XXXX XXXX Code XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax do not give consumer away to download a copy for the file. Also, this complaint on XX/XX/XXXX is submitted against XXXX XXXX XXXX XXXX ( hereinafter referred to as " Creditor '' ) and the credit reporting agencies ( hereinafter referred to as " CRAs '' ) EQUIFAX for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  codified under XXXX U.S.C. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, among others. This complaint addresses the reporting and reinvestigation of inaccurate, misleading, and obsolete negative information, which has caused financial and emotional harm, as detailed below. Basis for Complaint XXXX. Misrepresentation of Debt as " Charged Off '' Income The debt in question, reported as " charged off, '' constitutes income under IRS regulations when a XXXX has been issued. Per XXXX XXXX. XXXX, creditors are prohibited from furnishing inaccurate or misleading information. Reporting this debt as charged off XXXX issuance is a material inaccuracy and a direct violation of the FCRA. Failure to Conduct Reasonable Investigations Upon identifying these inaccuracies, I submitted disputes, then it was ignored i filed a complaint with the CFPB to you EQUIFAX. Despite their obligation under XXXX XXXX. XXXXXXXX XXXX XXXX  ) to conduct reasonable reinvestigations, they failed to remove the inaccurate information. This failure demonstrates willful non-compliance and blatant disregard for federal law. 
XXXX. XXXX to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I assert my rights under XXXX XXXX, which mandates the blocking of any information identified as resulting from errors or unverifiable circumstances when proper documentation is provided. The CRAs have failed to comply, even after receiving documentation substantiating the inaccuracies of the accounts. Despite my disputes and evidence provided, these items remain on my credit report, in direct violation of the blocking requirements of XXXXXXXX XXXX XXXX XXXX. XXXX. Failure to Provide a Clear and Specific Adverse Action Notice ( Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SectiXXXX XXXX XXXX XXXX XXXX  obligates the Creditor and CRAs to inform me of the specific actions taken against me and the reasons for such actions. The denial of credit due to these inaccurate reports, coupled with the absence of a sufficient explanation or resolution, reflects non-compliance with this section. 
XXXX. Furnishers ' Duties to Update and Correct Information ( Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The Creditor has failed to fulfill its obligation under SectiXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to promptly update and correct information after being notified of disputes. 
The continued reporting of these accounts as negative despite my disputes further evidences their willful or negligent disregard of their statutory duties. Negative History and Harm Caused Obsolete Negative History Under XXXX XXXX. XXXX ( a ), outdated negative information must not appear on my credit report. These accounts include negative history beyond the permissible reporting periods, exacerbating the harm caused. Financial Harm and Opportunity Loss XXXX. As previously stated, the denial of credit due to these inaccuracies has forced me into overpriced temporary housing. The continued presence of this negative information has also prevented me from obtaining transportation, and to refinance my car, necessary to accept better employment opportunities, hindering my ability to improve my financial standing. Emotional and Psychological Impact I. The inaccurate and unresolved reporting has caused undue stress, anxiety, and emotional harm as I attempt to rebuild financial stability after a challenging period in my life. Legal Precedent and Enforcement To support my claims and further establish the obligations of creditors and CRAs under the FCRA, I reference the following cases where courts ruled in favor of consumers for similar violation. XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Highlighted CRAs ' obligations to reinvestigate disputes and the significant harm caused by non-compliance. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX that CRAs and furnishers must ensure the accuracy of information reported and correct known errors promptly. On XX/XX/XXXX I sent Equifax a Pre-Demand/Pre-Arbitration Notice letter and invoice I would like for you CFPB to get EQUIGAX to pay up for the violations mention in compliant please see proof of claims. XXXXXXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX that CRAs and furnishers must ensure the accuracy of information reported and correct known errors promptly. 
Immediate to keep ALL my accounts open and report and report accounts are Current, Paid in Full, On Time, As Agreed and XXXX % Utilization. No adverse information should be reporting. in question from all under XXXX XXXX. XXXX. These accounts are inaccurate and unverifiable, and their continued reporting is a clear violation of my rights under the FCRA.