Product: Credit reporting or other personal consumer reports

Subject : Formal Follow-Up Complaint Regarding Continued FCRA Violations and Non-Compliance by Equifax, Experian, and TransUnion ( XXXX : FTC Report XXXX XXXX, XXXX Police Report # XXXX ) Dear CFPB Complaint Division, I am submitting this formal follow-up complaint regarding continued violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Equifax, Experian, and TransUnion. Despite providing all legally mandated documentation, including FTC Identity Theft Report ( # XXXX ), XXXX Police Report ( # XXXX ), and extensive identification, these agencies persistently fail to comply with their legal obligations, leading to significant financial and emotional harm. 
Violations Include : 2. Failure to Block Fraudulent Information - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit reporting agencies must block fraudulent items upon receipt of an identity theft report. They continue to report accounts I clearly identified as fraudulent, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX 
XXXX. Unlawful Reinsertion of Deleted Items FCRA 611 ( a ) ( 5 ) ( B ) : These agencies have repeatedly reinserted previously deleted fraudulent accounts without proper notification as legally required, violating 611 ( a ) ( 5 ) ( B ).

6. Failure to Provide Method of Verification ( MOV ) - FCRA 611 ( a ) ( 7 ) : Despite multiple requests, these bureaus refuse to provide adequate verification methods or documentation supporting their decisions.

8. Deceptive Practices FCRA 616, 617 : Equifax and TransUnion falsely reported to the CFPB that disputed items were " not reporting '' when they clearly remain active on my credit reports, reflecting deceptive practices.

10. Unauthorized Security Freezes and Fraud Alerts : The agencies improperly placed unauthorized security freezes and fraud alerts on my credit file, negatively impacting my credit access.

Relevant Case Law References : * Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Establishes that bureaus must independently verify disputed items.

* Jones v. Experian Info. Sols., Inc. , No. 1:19-cv-2143 ( N.D. Ga. 2019 ) : Confirms unlawful reinsertion without notification as actionable.

* Collins v. Experian Info. Sols., Inc. , 775 F.3d 1330 ( 11th Cir. 2015 ) : Highlights the violation of FCRA when bureaus rely solely on third-party data without proper verification.

Resolution Requested : * Immediate and permanent removal of all fraudulent accounts, unauthorized inquiries, and inaccurate personal data.

* Removal of improperly placed fraud alerts and security freezes.

* Full compliance with FCRA regulations, specifically 605B, 611 ( a ) ( 5 ) ( B ), 611 ( a ) ( 7 ), and 1681e ( b ).

* Detailed, written explanations of verification processes used for each disputed item.

* Monetary compensation totaling {$25000.00} from each bureau ( Equifax, Experian, and TransUnion ) for damages incurred due to repeated and intentional violations of federal law, emotional distress, and financial harm.

Your urgent intervention and investigation into these practices are necessary. Should these bureaus continue to violate my consumer rights, I am prepared to pursue further legal actions.

Thank you for your prompt attention to this matter. 
Respectfully, XXXX XXXX