Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Violations of Consumer Protection Laws and Failure to Comply with Identity Theft Reporting Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding violations of consumer protection laws by Equifax and other credit reporting agencies ( CRAs ) and furnishers of information. My credit report contains inaccurate and outdated negative information that has not been corrected or removed despite my repeated disputes and compliance with identity theft reporting requirements. These actions violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws.

________________________________________ 1. Negative Information on My Credit Report The following negative information on my credit report is inaccurate, outdated, or the result of identity theft. Despite my disputes, this information has not been corrected or removed : A. Charge-Off Accounts XXXX XXXX ( Account ending in XXXX ) : This account was charged off, but I have reason to believe it is the result of identity theft or inaccuracies. The account was opened without my knowledge, and I have submitted documentation to support this claim. 
Credit Card XXXX XXXX XXXX ( Account ending in XXXX ) : This account was also charged off, but I dispute its validity. I have provided evidence that this account was fraudulently opened. 
B. Collection Account XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : This collection account is inaccurate and does not belong to me. I have disputed this account multiple times, but it remains on my credit report.

C. Closed Accounts with Negative History XXXX XXXXXXXX, XXXX ( Account ending in XXXX ) : This account was closed with a history of more than XXXX payments past due. I dispute the accuracy of this information and believe it XXXX be the result of identity theft or errors in reporting. 
XXXX ( Account ending in XXXX ) : This account was closed by the credit grantor, which XXXX indicate prior issues. I dispute the validity of this account and believe it XXXX be the result of identity theft. 
XXXX XXXX Account ending in XXXX ) : This account was closed by the credit grantor, which may indicate prior issues. I dispute the validity of this account and believe it may be the result of identity theft.

________________________________________ 2. Identity Theft Reporting Requirements I have followed all requirements for reporting identity theft, including : Filing a police report and obtaining a copy of the report. 
Submitting an Identity Theft Report to the Federal Trade Commission ( FTC ). 
Providing all required documentation to Equifax and other CRAs, including : o A copy of my government-issued ID.

o Proof of my address.

o The police report and FTC Identity Theft Report. 
Despite complying with these requirements, Equifax and the furnishers of information have refused to delete the fraudulent and inaccurate accounts from my credit report. This refusal violates the FCRA and other consumer protection laws. 
________________________________________ 3. Violations of Consumer Protection Laws The following laws are being violated by Equifax and the furnishers of information : A. Fair Credit Reporting Act ( FCRA ) Section 605B : Requires CRAs to block information resulting from identity theft within four business days of receiving an identity theft report and supporting documentation. Equifax has failed to block the fraudulent accounts on my credit report.

Section 611 : Requires CRAs to conduct a reasonable investigation of disputed information within 30 days. Equifax has either failed to investigate or conducted inadequate investigations, leaving inaccurate information on my report.

Section 623 : Requires furnishers of information to investigate disputes and correct inaccuracies. Furnishers have failed to do so, violating this provision.

B. Fair Debt Collection Practices Act ( FDCPA ) Section 805 : Prohibits debt collectors from continuing to collect on debts that are disputed or result from identity theft. XXXX XXXX XXXX XXXX XXXX, continues to report a fraudulent collection account despite my disputes.

C. Consumer Financial Protection Act ( CFPA ) The refusal to correct or delete inaccurate information constitutes unfair, dece
ptive, and abusive practices under the CFPA.

________________________________________ 4. Request for Relief I request that the CFPB take the following actions : 1. Investigate Equifax and the furnishers of information for violations of the FCRA, FDCPA, and CFPA.

2. Require Equifax and the furnishers to : o Remove all fraudulent and inaccurate accounts from my credit report, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
o Provide written confirmation of the corrections and deletions.

3. Impose penalties on Equifax and the furnishers for their failure to comply with the law.

4. Ensure that my credit report is updated to reflect accurate information and that my credit score is recalculated accordingly. 

Conclusion I have made every effort to resolve these issues directly with Equifax and the furnishers, but they have failed to comply with the law. I urge the CFPB to take immediate action to protect my rights as a consumer and ensure that my credit report is accurate and free from fraudulent information. 
Thank you for your attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require additional information or documentation. 
Sincerely, XXXX XXXX