Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas Attorney Generals Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for FDCPA, FCRA, XXXX XXXX XXXX & Deceptive Trade Practices Act Violations Dear Sir/Madam, I am submitting this formal complaint against XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for multiple violations of federal and state consumer protection laws regarding unlawful debt collection and credit reporting practices, including willful non-compliance, which constitutes fraud and an intentional act against me. 

Violations Identified : Inaccurate Credit Reporting ( Violation of FCRA XXXX & XXXX ( b ) ) Failure to mark the debt as disputed, violating FCRA XXXX ( a ) ( XXXX ). 

Furnishing inaccurate information to Equifax, violating FCRA XXXX ( b ), which mandates maximum possible accuracy in reporting. 

Failure to disclose full consumer file upon request, potentially violating FCRA XXXX ( a ) ( XXXX ). 

Willful non-compliance, constituting fraud, by knowingly reporting false information to damage my credit standing. 

Unlawful Debt Collection Practices ( Violation of FDCPA ) Failure to validate debt under FDCPA XXXX. 

False and misleading statements under FDCPA XXXX. 

Unfair and deceptive practices under FDCPA XXXX. 

Intentional bad faith actions designed to cause financial harm. 

Violations of Texas State Laws ( Texas Finance Code & DTPA ) Failure to be properly licensed and bonded in Texas ( Texas Finance Code XXXX ). 

Deceptive trade practices, including misrepresenting debt validation procedures ( DTPA XXXX ( b ) ( XXXX ) & XXXX ( b ) ( XXXX ) ). 

Unconscionable collection activities under DTPA XXXX ( a ) ( XXXX ). 

Fraudulent intent to mislead and harm Texas consumers. 

Pattern of Consumer Complaints and Legal Actions Against XXXX : XXXX XXXX XXXX XXXX XXXX has a history of consumer complaints and multiple lawsuits filed against them, demonstrating a pattern of deceptive, misleading, and unlawful debt collection practices : Date Filed Case Name Plaintiff Court Cause of Action XX/XX/XXXX XXXX XXXX XXXX Collection System, XXXX XXXX XXXX XXXX XXXX Fair Debt Collection Act XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Question XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fair Debt Collection Act XX/XX/XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX al XXXX XXXX XXXX XXXX Fair Credit Reporting Act XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Collection Systems, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fair Debt Collection Act XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This pattern of litigation and complaints suggests a systemic issue within SCSs debt collection and reporting practices, further demonstrating the need for regulatory intervention. 

Supporting Documents Attached : Copy of my debt validation request sent on XX/XX/XXXX. 

Certified mail receipt confirming delivery on XX/XX/XXXX. 

Copy of XXXX  generic response, failing to provide proper validation. 

Equifax credit report showing disputed accounts inaccurately reported. 

Documentation of previous consumer complaints and lawsuits against XXXX. 

Requested Actions : Equifax : Immediately delete the inaccurate accounts from my credit report. 

CFPB : Conduct a full investigation into SCSs debt collection and reporting practices and impose penalties. 

Texas Attorney General : Investigate XXXX for violations of Texas Finance Code and DTPA, and take enforcement action. 

I urge each agency to take swift action in enforcing the relevant laws and protecting consumers from unlawful debt collection and credit reporting practices. Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX