Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint Regarding Credit Report Inconsistencies and Lack of Resolution from Equifax Dear XXXX, I hope this letter finds you well. I am writing to bring to your attention a distressing matter I have been grappling with since XX/XX/2024, concerning discrepancies within my credit reports obtained from XXXX. Despite repeated attempts to rectify these inconsistencies through XXXX 's purported assistance channels, the issue remains unresolved, leading me to seek your intervention in this matter. 

On XX/XX/XXXX, I diligently accessed XXXX 's online credit report service to review my credit history. To my dismay, I discovered significant disparities between the report obtained from XXXX and that of Equifax. Consequently, I initiated several requests for assistance from Equifax and XXXX, Case # XXXX, Escalation Issue XXXX, and Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX but regrettably, despite my earnest efforts and numerous follow-ups, Equifax has failed to provide any not only meaningful updates or resolution to date that has been dismal at best indicating that its on the XXXX party that is having issue. 

Compounding this ordeal, in order to access updated credit reports without incurring hard inquiries, I was compelled to engage the services of multiple third-party entities, incurring personal expenses. Alarmingly, all reports procured from these entities corroborate the inaccuracies present in the XXXX report. Despite assurances from Equifax, XXXX, XXXX of profile refreshes, the persistence of erroneous information, such as falsely reported account being late, number of account open and addresses, persists unabated. 

As an XXXX XXXX, I am well-versed in discerning technical intricacies. Contrary to Equifax 's assertions, it is evident that the root cause of these discrepancies lies within their systems, as corroborated by consistent inaccuracies across multiple reports obtained from reputable sources, including XXXX, XXXX, XXXX and XXXX ; which I have again paid to get the details as it is my only source to checking to see if the information is correct. 

While speaking with XXXX of the XXXX has also determined that other consumers where experiencing similar issues with Equifax and the information can on only come from them and no other place yet they repeatedly say that its other companies issue. And the stake is extremely high given all the inconsistencies. I even provided compelling thought process that could be very easily considered clear thought process to digest without going outside the narrative!! 

Furthermore, my interactions with Equifaxs support personnel have been deeply disheartening. Instead of earnestly addressing the issue, I have been met with dismissive responses and baseless attributions of fault to unspecified third-party vendors. 

Such conduct not only exacerbates my frustration but also undermines the integrity of Equifax 's purported commitment to consumer advocacy and support. 
Enclosed with this correspondence are comprehensive documentation substantiating the aforementioned discrepancies, submitted to Equifax and now these updated details showing the error. I implore the Consumer Financial Protection Bureau to intervene expeditiously and facilitate a thorough investigation into this matter. 

The undue hardship and mental anguish I have endured, coupled with the lack of accountability demonstrated by Equifax, necessitate a prompt and equitable resolution.