Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Violations of Fair Credit Reporting Act ( 15 USC 1681 ) and Fraudulent Activity on Credit Reports Dear [ CFPB Representative ], I am writing to file an urgent complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), as outlined in sections 15 USC 1681, and concerning fraudulent activity on my credit reports. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602 mandates consumer reporting agencies such as Equifax, XXXX, and XXXX to operate with fairness, impartiality, and respect for privacy. Additionally, Section 604 ( a ) ( 2 ) specifies that consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances and with the written instructions of the consumer. 

Despite the aforementioned regulations, Equifax, XXXX, and XXXX have failed to uphold their obligations under the FCRA. Specifically, I have not provided written consent for the furnishing of my information to these agencies or any affiliated financial institution, as required by 15 USC 1681, Section 604 ( a ) ( 2 ). Furthermore, financial institutions are mandated by 15 USC 6802 ( b ) ( c ) to inform consumers of their right to opt out of disclosing non-public personal information to non-affiliated third parties, a right of which I was not made aware. 

Moreover, the inclusion of adverse information, such as the account in question, without my permission, violates 15 USC 1681c ( a ) ( 5 ), which limits adverse information in consumer reports to items within seven years of the report 's date. Despite this regulation, Equifax, XXXX, and XXXX have inaccurately reported adverse items beyond this timeframe. 

Additionally, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services at any time. 

Furthermore, I will be submitting proof of a 1099A form to the Consumer Financial Protection Bureau ( CFPB ) as part of my complaint, which provides evidence that several accounts listed were satisfied and discharged. I request that these accounts be removed from my credit report immediately in accordance with the Fair Credit Reporting Act. You can find Copy B of said 1099A as an attachment to this email correspondence. 

I demand immediate action to rectify these violations and ensure compliance with consumer protection laws. Furthermore, I bring to your immediate attention the following : Today, XX/XX/2024, I encountered significant difficulty in obtaining my credit report from Equifax due to the error code NH. Despite repeated attempts, I was unable to access this essential document. It is imperative that I gain access to my report promptly. 

Furthermore, I recently discovered a fraudulent account forwarded to collections with both XXXX and XXXX. This unauthorized account poses a grave concern to my financial well-being and integrity. 

Upon reviewing the details of this fraudulent account, I was astonished to find that it pertains to services allegedly rendered by XXXX, a company with which I have never engaged in any contractual agreements or received services from. The involvement of a third-party entity, XXXX XXXX XXXX , claiming ownership of this account under my identity, only deepens the complexity and severity of this issue. 

Given the gravity of these findings, I insist on a thorough investigation into the origins and legitimacy of this account. It is imperative that Equifax provides me with a comprehensive physical copy of my credit report, including detailed information pertaining to the disputed account in question. 

I firmly assert my rights under consumer protection laws to access accurate and verifiable information regarding my credit history. The presence of fraudulent activity within my credit report not only undermines my financial credibility but also exposes me to potential legal and financial ramifications. 

In light of the aforementioned circumstances, I kindly request that Equifax expedites the resolution of this matter by conducting a diligent investigation into the disputed account and promptly furnishing me with the necessary documentation to address this issue effectively. 

I am deeply disappointed with the ongoing lack of resolution regarding the discrepancies in my credit reports from XXXX, Equifax, and XXXX. Despite my proactive efforts to address and rectify these issues directly with the respective companies and through the Consumer Financial Protection Bureau ( CFPB ), the necessary corrections have not been made. 

I demand immediate escalation of this matter to ensure a thorough investigation and prompt resolution. Attached are the reports detailing the fraudulent account for your reference. 

I expect a swift and comprehensive response to this urgent issue.