Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint to bring attention to XXXX repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ) in relation to the followingXX/XX/XXXXaccounts : 1. XXXX XXXX ( XXXX ) ** 2. XXXX XXXX ( XXXX ) ** These accounts are inaccurately reported, and XXXX negligent handling of my disputes has caused severe harm to my financial standing, emotional well-being, and professional opportunities. Despite multiple attempts to rectify this situation, Equifax continues to act in bad faith by verifying and updating these accounts without conducting a lawful or reasonable investigation, as required under the FCRA. 

The fact that XXXX and XXXX are also reporting these accounts does not absolve Equifax of its independent legal obligation to ensure that maximum possible accuracy is maintained. This pattern of gross negligence and systemic misconduct will no longer be tolerated. 


Egregious Violations by Equifax 1. Failure to Conduct Reasonable Reinvestigations ( FCRA Section 611 ( a ) ( 1 ) ( A ) ) Equifax has completely failed in its duty to conduct a proper reinvestigation into my disputes. Specifically : Equifax relied entirely on XXXX XX/XX/XXXX Automated Credit Dispute Verification ( ACDV ) responses without questioning the validity or accuracy of the information provided. 
Equifax ignored critical documentation I submitted, which highlights inconsistencies and errors in the reporting of these accounts. 
Equifax refused to investigate or resolve glaring inaccuracies, such as conflicting payment histories and improper delinquency reporting, perpetuating an ongoing fraud against me. 

This blatant lack of diligence demonstrates reckless disregard for consumer rights and XXXX responsibilities under federal law 2. Inaccurate and Manipulative Reporting of Payment History ( FCRA Section 607 ( b ) ) Equifax continues to allow XX/XX/XXXX to report false and misleading payment information, violating the requirement to ensure maximum possible accuracy : XX/XX/XXXX ( XXXX ) ** : This account is listed as charged off, yet Equifax updates it monthly with incremental late payments ( 30, 60, 90, 120+ days ), fraudulently extending the seven-year reporting period and severely impacting my creditworthiness. 
XXXX XXXX ( XXXX ) ** : This account falsely reflects a 90-day late payment, despite the payment history consistently showing OK statuses. 

These manipulative practices constitute willful misreporting and suggest an intention to inflict maximum financial harm, in violation of 15 U.S.C. 1681e ( b ).

3. Procedural Failures in Handling Disputes ( FCRA Section 611 ( a ) ( 2 ) ) Equifax failed to notify Kikoff Lending of my dispute within the required five business days of receiving it. This critical procedural failure obstructed my ability to hold XXXX XXXX accountable and denied me the fair resolution of my disputes. 

Additionally, Equifax has not provided : Any documentation showing the dates and content of dispute notices sent to XXXX XXXX. 
Evidence of any meaningful communication between Equifax and XXXX XXXX to address the accuracy of the reported accounts. 

4. Equifaxs History of Systemic Negligence Equifaxs recent {$15.00} XX/XX/XXXX settlement for FCRA violations reflects a disturbing trend of systemic noncompliance and disregard for consumer rights. I am now a direct victim of these same practices, which Equifax has repeatedly failed to correct, even after regulatory penalties. 

Equifaxs actionsor lack thereofindicate a willful pattern of ignoring federal laws designed to protect consumers. This ongoing misconduct is not only reckless but also exposes Equifax to severe legal and regulatory consequences. 

Demands for Immediate Action To prevent further harm to my financial reputation and to avoid escalation, I demand that Equifax : 1. Immediately remove the XXXX XXXX accounts ( XXXX andXX/XX/XXXX ) from my credit report**, as they are being reported inaccurately and without legal justification. 
2. Provide detailed documentation, including : Proof that Equifax sent XXXX XXXX a dispute notice within five business days of receiving my dispute. 
All communications between Equifax and XXXX XXXX regarding the disputed accounts. 
3. Obtain and provide creditor-furnished documentation, including : Notices sent to me within 30 days of furnishing negative information. 
Any evidence provided by XXXX XXXX to justify the ongoing reporting of these accounts. 
4. Provide a written resolution and confirmation of account removal within 10 business days of receiving this complaint