Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX, MO, XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Information Reported by Equifax Dear Consumer Financial Protection Bureau XXXX I am filing this complaint to report inaccurate and misleading information on my credit report as provided by Equifax. Despite multiple past efforts to resolve the issue directly with the credit reporting agency, the inaccurate data remains unresolved and continues to negatively affect my credit profile. 
Summary of the Issue : According to my credit report dated XX/XX/XXXX, Equifax is reporting inaccurate account information regarding my XXXX XXXX XXXX XXXX XXXX credit card account. The reported balance of {$360.00}, with a credit limit of {$300.00}, reflects a 120 % utilization rate, which is adversely affecting my credit score. 
Additionally, the payment history for this account shows multiple delinquencies, specifically 60 days past due ( XXXX, XXXX, and XX/XX/XXXX ), 90 days past due ( XXXX and XX/XX/XXXX ), and other prior periods, which I believe are either incorrectly reported or unverifiable. Notably, the payment history skips directly to 60 days past due without showing any 30 days past due indication in prior months, which suggests potential errors in how delinquencies were reported. I have attached a screenshot of my Equifax credit report for reference. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are obligated to ensure maximum accuracy of consumer information. Section 15 U.S. Code 1681e ( b ) explicitly requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inaccurate, outdated, and unverifiable information in my report constitutes a clear failure to comply with this legal standard. 
This inaccurate reporting has caused significant harm by : Lowering my credit score. 
Hindering my ability to obtain new credit or favorable interest rates. 
Despite my attempts to resolve this dispute through Equifaxs  online dispute process, they have failed to investigate or correct the errors within the legally required timeframe. 
CFPB 's Recent Regulatory Action : Given the XX/XX/XXXX CFPB fine of {$3.00} million against Equifax for recurring inaccurate reporting practices, I am particularly concerned that this type of error remains prevalent. The agencys responsibility to correct and ensure accurate reporting has been reinforced by recent enforcement actions, yet these issues persist. 
Requested Resolution : Immediate reinvestigation of the inaccuracies reported on my XXXX XXXX XXXX  XXXX XXXX account. 
Correction and removal of all inaccurate past-due notations and the improperly reported balance exceeding my credit limit. 
Written confirmation of the corrected information. 
I am requesting that the CFPB investigate this matter and hold Equifax accountable for non-compliance with FCRA obligations. Thank you for your prompt attention to this complaint. I look forward to your response and resolution. 
Sincerely, [ XXXX XXXX ] Attachments : Screenshot of Equifax credit report ( dated XX/XX/XXXX )