Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against Equifax for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. Despite multiple dispute requests, documented evidence of identity theft, and legal obligations under the FCRA, Equifax refuses to remove fraudulent accounts and inquiries from my report. This negligence has caused severe financial and reputational harm. 
Details of Complaint : 1. Failure to Remove Fraudulent Accounts * Equifax continues to report fraudulent accounts that do not belong to me, including but not limited to : * XXXX XXXX XXXX ( {$17000.00}, charged off ) Initially removed but reinstated without my authorization, violating FCRA 611 ( a ) ( 5 ) ( B ). 
* XXXX XXXX XXXX {$17000.00}, charged off ) Equifax has failed to provide any signed documentation linking this account to me. 
* XXXX XXXX ( {$13000.00}, auto loan ) This account was flagged as fraudulent per my identity theft report but has not been removed. 
* XXXX XXXX ( Multiple Accounts ) Incorrectly verified and certified without proof. 
2. Failure to Block Identity Theft Information as Required by Law * Under FCRA 605B, Equifax is required to block fraudulent accounts upon receipt of an identity theft report. I have provided : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Despite this, Equifax has refused to act on this legally sufficient evidence. 
XXXX. Failure to Provide Documentation Proving Account Ownership * Under FCRA XXXX, I have the right to request documentation that proves these accounts belong to me. Equifax has failed to provide such documentation, meaning they are reporting unverifiable accounts. 
XXXX. Unlawful Reinsertion of Deleted Accounts * Equifax previously removed XXXX XXXX XXXX but has now reinstated the account without valid certification, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

5. Failure to Remove Unauthorized Inquiries * Equifax has reported multiple inquiries that I did not authorize, in violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before running credit inquiries. 
6. Refusal to Accept Valid Documentation * Equifax has refused to accept my FTC Identity Theft Report and police report as valid proof, despite federal laws that mandate their acceptance.

Requested Resoluti

on : 1. Immediate and Permanent Removal of All Fraudulent Accounts. 2. Deletion of All Unauthorized Inquiries. 3. Correction of My Contact Information. 4. Full Compliance with the Fair Credit Reporting Act.

5. Compensation of {$15000.00} for financial damages, lost opportunities, and emotional distress due to E

quifaxs failure to comply with federal law. I demand immediate action from the CFPB to investigate Equifaxs continued non
-compliance with federal regulations and take corrective action against them. If this issue is not addressed promptly, I will escalate my complaint further, including arbitration or legal proceedings. 
Sincerely, XXXX XXXX