Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to file a formal complaint regarding Equifaxs failure to properly investigate and correct inaccurate information reported on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, governing the duties of credit reporting agencies to ensure accurate reporting and fair investigation of disputed information.

The following accounts have been inaccurately reported on my Equifax credit report : 1. XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$4000.00} Status : Needs Attention XXXX. XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$20000.00} XXXX. XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$12000.00} Status : Closed I respectfully request the immediate removal of these accounts from my credit report, as they are either inaccurate or unverifiable. I have already disputed these items with Equifax and provided supporting documentation, but the information remains uncorrected. 

In addition to these accounts, I have identified the following hard inquiries that need to be removed due to being unverified : XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were either never authorized or can not be verified, and as such, I am requesting their immediate removal from my credit report.

I have already disputed these items with Equifax, providing supporting documentation to prove the information is inaccurate or unverifiable. However, Equifax has failed to provide a detailed response or resolve the disputes in accordance with the FCRA. As a result, these errors remain on my credit report, negatively impacting my credit score and overall financial standing.

Under 15 U.S. Code 1681, credit reporting agencies are required to ensure the accuracy and fairness of the information they report. Specifically, they are obligated to conduct a reasonable investigation
into any disputes filed by consumers. Equifaxs failure to do so is a direct violation of my rights under the FCRA and has caused harm to my credit score and financial opportunities, affecting my ability to qualify for loans, housing, and other financial products.

I respectfully request that the CFPB take the following actions : 1. Investigate Equifaxs failure to properly handle my dispute and resolve the inaccurate information in my credit report.

2. Require Equifax to immediately remove the inaccurate and unverifiable accounts from my credit report.

3. Require Equifax to immediately remove the unverified hard inquiries from my credit report.

4. Ensure that Equifax conducts a thorough investigation of the disputed accounts and inquiries and provides a detailed explanation of the actions taken to resolve the disputes.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue and to ensuring that Equifax complies with its obligations under federal law to protect consumers like me.

Sincerely, XXXX XXXX