Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Innovis and XXXX for their failure to properly investigate, remove, and permanently block fraudulent accounts, addresses, inquiries, and employer data from my credit and consumer reports.

Despite multiple written disputes and the submission of supporting documentationincluding a police report, proof of identity, and proof of addressthese consumer reporting agencies continue to retain, reinstate, and distribute fraudulent information, violating multiple federal laws, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 The Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Violations Committed by Innovis XXXX XXXX Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681i These agencies are legally required to investigate disputes within 30 days ( or 45 days if additional information is provided ). My disputes were ignored, delayed, or improperly processed.

Failure to Remove Fraudulent Accounts 15 U.S.C. 1681c-2 As a documented victim of identity theft, I requested the removal and permanent blocking of fraudulent accounts, yet they remain on my report. 
Failure to Prevent Reappearance of Fraudulent Data 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Fraudulent information continues to reappear on my reports without proper verification.

Failure to Notify Me of Reinvestigation Results 15 U.S.C. 1681i ( a ) ( 6 ) I did not receive written responses explaining the results of their supposed investigations.

Failure to Provide Identity Theft Protections 15 U.S.C. 1681g ( e ) They failed to mark my file as fraud-related, violating FTC guidelines on identity theft protection.

Failure to Comply with the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 They failed to protect my personal financial data, allowing fraudulent accounts, addresses, and employer records to be linked to my profile. 
Violations of the Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 The continued reporting of fraudulent accounts despite a police report facilitates criminal activity.

Fraudulent Accounts to be Removed & Permanently Blocked 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 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 Requested Relief & Enforcement Actions I demand the following immediate enforcement actions from the CFPB : Immediate and Permanent Removal of all fraudulent accounts, addresses, employers, and credit inquiries.

Mandatory Investigation into Innovis  and XXXX for noncompliance with FCRA, GLBA, and identity theft protections.

Civil Penalties and Fines against these agencies for their violations.

A Written Confirmation from each agency verifying the permanent deletion of all fraudulent information.

Implementation of Stronger Identity Theft Safeguards to prevent unauthorized reinsertion of fraudulent data. 
Failure to comply will result in further legal action, including a federal lawsuit and additional complaints with the Federal Trade Commission ( FTC ), U.S. Attorney General 's Office, and State Consumer Protection Agencies.

I expect a written response within 30 days, per CFPB and FCRA regulations. 

Sincerely, XXXX XXXX