Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Equifax, one of the major credit reporting agencies, for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. Equifax failure to meet its legal obligations has caused me harm, and I am requesting your assistance in addressing this issue. 

Details of the Complaint On XXXX XXXX, I submitted a formal dispute to Equifax regarding inaccurate or fraudulent accounts listed on my credit report, along with supporting documentation to substantiate my claim. 

Despite my efforts, Equifax failed to comply with their FCRA obligations to investigate and resolve dispute within 30 days, which include : -Conducting a thorough and timely reinvestigation of the disputed information as required under 15 U.S.C. 1681i. 

-Correcting or deleting inaccurate, incomplete, or unverifiable information from my credit report. 

-Providing me with proper notification and explanation of the results of their investigation. 


As a result of Equifax 's inaction and non-compliance, I have suffered the following : A lower credit score, denial of credit applications, financial opportunities, higher interest rates, denial of housing and emotional distress. 

Actions Taken I made multiple attempts to follow up with Equifax after submitting my dispute on XXXX XXXX XXXX, but I have not received any adequate resolution or communication regarding the status of my dispute. This failure to respond demonstrates a disregard for their obligations under the FCRA. 

Details of Disputed Information -Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXXXXXX XXXX I Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating 15 U.S.C . 1681b of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA.