Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for FCRA Violations and Deceptive Practices Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX regarding their repeated violations of the Fair Credit Reporting Act ( FCRA ), deceptive practices, and failure to conduct a reasonable investigation into my disputes. Despite providing XXXX with substantial evidence, including an FTC Identity Theft Affidavit, a police report, a copy of my Social Security card, government-issued ID, and proof of residence, XXXX has failed to comply with its legal obligations. 
XXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) XXXX has neglected its duty to conduct a reasonable reinvestigation of my disputed accounts. My credit report contains multiple inaccuracies, including accounts that should have been removed due to identity theft. Instead of conducting a thorough investigation, XXXX has repeatedly reinserted previously deleted items without notifying me in writing, a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Additionally, XXXX has failed to provide verification documents from the furnishers proving the accuracy of the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a copy of any documentation that was used to verify the disputed information. However, XXXX has not provided any evidence supporting its determination. 
XXXX. Repeated Re-Insertion of Previously Deleted Accounts Without Notice The XXXX account was previously deleted but has been reinserted without notification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which requires consumer reporting agencies to notify consumers within five business days of any reinserted information. XXXX failed to provide such notice, which further demonstrates their reckless disregard for FCRA compliance. 
XXXX. Failure to Block Identity Theft-Related Information ( 15 U.S.C. 1681c-2 ) XXXX is also in violation of 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information upon receiving a police report and identity theft affidavit. Despite my submission of these documents, XXXX has refused to block fraudulent accounts ( XXXX XXXX XXXXXXXX XXXX XXXX from my credit file. Instead, they have placed the burden on me to provide unnecessary additional documentation, an act which courts have ruled as a willful violation of the FCRA ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Deceptive Practices and Emotional Distress XXXXXXXX XXXX  repeated negligence has caused significant mental distress and financial hardship. Due to their reporting errors, I have been denied credit opportunities, suffered higher interest rates, and endured unnecessary stress. Their refusal to conduct a proper investigation and their deceptive practices in handling disputes violate 15 U.S.C. 45 ( a ) of the FTC Act, which prohibits unfair and deceptive practices. 
XXXX. Demands for Immediate Resolution Under the FCRA, I demand the following actions be taken immediately : XXXX. Immediate deletion of all fraudulent accounts that have been verified without proper documentation. 
XXXX. A full investigation into XXXX failure to comply with XXXX XXXX. XXXX, including their failure to provide documentation supporting their verification process. 
XXXX. A written statement from XXXX explaining why they have failed to block fraudulent information, despite receiving an FTC Identity Theft Affidavit and police report. 
XXXX. A fine and enforcement action against XXXX for their pattern of deceptive and unfair practices, as recently highlighted in the CFPBs lawsuit against them. 
Conclusion XXXX has demonstrated a blatant disregard for consumer protection laws. Their continued refusal to comply with the FCRA, reinsertion of fraudulent accounts, and failure to conduct a reasonable reinvestigation warrant immediate regulatory action. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and seek legal action under FCRA 1681n for willful noncompliance. 
I trust that the CFPB will take swift action against XXXX for their unlawful conduct. Thank you for your time and attention to this serious matter. I look forward to your response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX