Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX for mishandling my credit report, including the reinsertion of fraudulent accounts, unauthorized hard inquiries, and failure to conduct proper investigations. These actions constitute serious violations of the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my financial well-being. 

Additionally, XXXX actions align with issues raised in an ongoing lawsuit by the CFPB against XXXX for improperly deleting and then re-adding accounts to consumers credit files without conducting full investigations. I believe I am also a victim of this practice, as XXXX has repeatedly failed to address my disputes adequately, leading to the reinsertion of fraudulent accounts and inquiries on my credit file. 

XXXX Accounts XXXX. XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX XXXX Amount : {$1100.00} ( past due and in collections ) This account was fraudulently opened using my personal information without my consent. I reported this identity theft to the Federal Trade Commission ( FTC ) under Report Number XXXX and to local law enforcement under Police Report Number XXXX. Despite XXXX initially removing this account after finding it fraudulent, it has been re-added without proper investigation or notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were similarly created fraudulently. Affirm Inc. confirmed that they were unauthorized and fraudulent, and XXXX initially removed them. However, XXXX has improperly re-added them to my credit report without following required FCRA protocols. 

Fraudulent Hard Inquiries XXXX has also failed to address several unauthorized hard inquiries resulting from identity theft. These inquiries, made without my knowledge or consent, include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit Unions These hard inquiries have negatively impacted my credit score. I have no relationship with these entities, and they are tied to the identity theft incident reported to the FTC and local law enforcement.

Violations of the FCRA Experians actions constitute the following violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Reinsertions of previously deleted accounts must include certification from the data furnisher confirming the accuracy of the information and notification to the consumer within five business days. XXXX failed to comply with these requirements. 
2. 15 U.S.C. 1681c-2 : Identity theft victims are entitled to protection. Despite my submission of an FTC affidavit and a police report, XXXX has failed to honor these protections. 
3. 15 U.S.C. 1681b ( c ) : Hard inquiries must have a permissible purpose. The inquiries listed above were unauthorized and violated my right to privacy. 

Additionally, I am aware that XXXX is currently facing a lawsuit filed by the CFPB for improperly re-adding accounts to consumers credit reports without conducting thorough investigations. This appears to be part of a broader pattern of behavior that has affected many consumers, including myself. 

Steps Already Taken I have disputed these fraudulent accounts and inquiries with XXXX multiple times and submitted the following documentation : FTC Identity Theft Report ( Report Number XXXX ) Police Report ( Report Number XXXX ) Identity Theft Affidavit Despite providing ample evidence, XXXX has failed to investigate adequately, remove the fraudulent items, or prevent their reinsertion.