Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Severe FCRA Violations, Unauthorized Disputes, and Representative Misconduct To Whom It May Concern, I am filing this formal complaint against Equifax for blatantly violating my rights under the Fair Credit Reporting Act ( FCRA ) and disregarding my constitutional rights through unauthorized and fraudulent actions involving my credit report. XXXX representative, XXXX ( Supervisor, XXXX XXXX, ID Number : XXXX ), exhibited gross negligence and willful misconduct by denying me the fundamental protections guaranteed by federal law. 

Unauthorized Disputes on Positive Accounts Equifaxs back-office team placed disputes on my positive accounts without my authorization or knowledge : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Account ending in XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - Account ending in XXXX These accounts reflect my excellent credit management and financial responsibility. Their placement into disputewithout my instruction or consentjeopardizes my credit standing and constitutes a fraudulent misrepresentation of my identity. Any alteration or removal of these accounts would cause irreparable harm to my credit profile. 

Additional Unauthorized Accounts Mishandled Equifaxs handling of the following accounts, which I actively disputed as unauthorized, demonstrates an utter disregard for accuracy and proper procedures : XXXX XXXX - Account ending in XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX  - Account ending in XXXX XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX Despite my legitimate disputes, Equifax failed to remove these accounts in violation of federal law. 

Representative Juans Severe Misconduct On XX/XX/XXXX, I contacted XXXX, a supervisor with Equifax XXXX XXXX, to address these issues. Not only did XXXX fail to resolve the fraudulent disputes on my positive accounts, but he also outright refused to perform his duties under the law. His actions reflect gross incompetence and a willful denial of my rights under : 1. 15 U.S.C. 1681i Requiring a reasonable investigation and proper handling of consumer disputes.

2. 15 U.S.C. 1681e ( b ) Mandating maximum possible accuracy in consumer credit reports.

3. 15 U.S.C. 1681s-2 ( a ) ( 8 ) Requiring consumer reporting agencies to notify consumers of disputes and to remove unauthorized disputes promptly upon notice. 

Instead of addressing my concerns, XXXX displayed indifference to XXXX legal obligations, furthering the financial and emotional distress caused by these violations. His failure to act exacerbates the harm caused by XXXX systematic negligence. 

XXXX and XXXX XXXX XXXX failure to notify me about the disputes placed on my positive accounts is a direct violation of federal law. I had to discover these unauthorized disputes on my own, further compounding the financial and emotional harm. XXXX actions expose the company to significant penalties under the FCRA, including but not limited to : 1. Statutory Damages : Up to {$1000.00} per violation under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

2. Punitive Damages : Unlimited punitive damages for willful noncompliance with the FCRA, including knowingly placing unauthorized disputes and failing to notify me.

3. Actual Damages : Compensation for harm caused to my credit standing, emotional distress, and financial losses.

4. Attorneys Fees and Costs : Equifax will be liable for all legal fees incurred in pursuing this matter.

If Equifax does not resolve these issues immediately, I will be pursuing the maximum allowable penalties for each unauthorized dispute, failure to notify, and failure to conduct a reasonable investigation.

Resolution Demanded To avoid escalation, I demand the following actions be taken within 30 days : XXXX. Remove the unauthorized disputes from my positive accounts : XXXX XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account ending in XXXX XXXX. Remove the following unauthorized accounts from my credit report : XXXX XXXX - Account ending in XXXX XXXXXXXX XXXX  - Account ending in XXXX XXXXXXXX XXXXXXXX XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX. Provide written confirmation that all unauthorized disputes have been removed and that the unauthorized accounts have been deleted.