Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Complainant : XXXX XXXX I am submitting this complaint against Equifax Information Services XXXX LLC , for egregious violations of the Fair Credit Reporting Act ( FCRA ). Equifax has unlawfully refused to provide my credit file, falsely claimed that I have no account, and continued to furnish inaccurate and unauthorized information to third parties, all of which directly harm my rights as a consumer. 

Their actions represent willful noncompliance with multiple provisions of the FCRA, undermining my ability to correct errors and protect my financial reputation. As someone well-versed in federal law, I will demonstrate how Equifax has blatantly disregarded its statutory obligations. 
Violations by Equifax 1. Failure to Provide My Credit File ( 1681g ( a ) ) Under the FCRA, Equifax is required to disclose all information in my credit file upon request. In their letter dated XX/XX/XXXX, Equifax claimed they were " unable to locate a credit file '' for me due to baseless reasons such as not applying for credit recently or not possessing a U.S. Social Security Number. These claims are false and a violation of 1681g ( a ), as I have an active credit file with reported accounts for : XXXX XXXX XXXX XXXX ( Account No. XXXX ) XXXX XXXX ( Account No. XXXX ) Equifax can not claim ignorance of my file while simultaneously furnishing and reporting accounts under my name. Their refusal to provide access obstructs my ability to review and dispute inaccuracies, as explicitly protected under federal law. 

2. Furnishing Data Without Written Authorization ( 1681b ( a ) ) Equifax does not have my express written consent to furnish my credit file to third parties. By continuing to report information regarding XXXX XXXX XXXX XXXX and XXXX XXXX, Equifax is in violation of 1681b ( a ), which requires clear authorization to furnish consumer data. This is an unlawful invasion of my privacy and a willful disregard of my rights. 

XXXX. Failure to Ensure Maximum Accuracy ( 1681e ( b ) ) Equifax is obligated to adopt reasonable procedures to ensure maximum possible accuracy of the information it reports. The following inaccuracies demonstrate a breach of this duty : XXXX XXXX XXXX XXXX : Reporting a past-due balance of {$340.00}, despite the loan being rescinded. 

XXXX XXXX : Reporting a past-due balance of {$1300.00} on a rescinded loan. 


By failing to verify the validity of these accounts, Equifax continues to report demonstrably false and damaging information. 

4. Failure to Investigate Disputes ( 1681i ( a ) ) I have formally disputed these accounts, yet Equifax has failed to conduct a reasonable investigation or correct these inaccuracies within the required 30-day period. This failure violates 1681i ( a ), which mandates that consumer disputes be thoroughly investigated and resolved. 

XXXX. Misrepresentation of My Credit File ( 1681m ) Equifaxs letter falsely claims that I have no credit file, even though they are actively reporting accounts in my name. This constitutes deceptive and misleading behavior under 1681m, further eroding my trust in Equifaxs handling of my data.

Impact on Me Equifaxs actions have caused substantial harm, including : 1. Damage to My Creditworthiness : The continued reporting of inaccurate accounts has lowered my credit score and damaged my ability to secure financial opportunities. 


2. Violation of My Privacy : Furnishing my credit data without authorization constitutes a breach of trust and legal compliance.

3. Obstruction of My Rights : By refusing to provide access to my credit file, Equifax has denied me the opportunity to dispute inaccuracies, as guaranteed under the FCRA.

4. Emotional and Financial Harm : I have experienced undue stress and financial harm as a direct result of Equifaxs unlawful practices.

Requested Relief I respectfully request that the CFPB take immediate action to address these violations and enforce compliance. Specifically, I ask that : 1. Equifax Provide Full Access to My Credit File : As required under 1681g ( a ). 


2. Equifax Remove Inaccurate Accounts : Delete the XXXX XXXX XXXX XXXX and XXXX XXXX accounts from my credit file, as these accounts are inaccurate, rescinded, and unverifiable. 


XXXX. Equifax Cease Unauthorized Furnishing of My Data : Enforce compliance with 1681b ( a ) by prohibiting Equifax from furnishing my credit data without written authorization. 


XXXX. Equifax Be Held Accountable for Their Violations : Impose penalties under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 
Supporting Documentation Attached to this complaint are : 1. A copy of Equifaxs letter dated XX/XX/XXXX, falsely claiming that no credit file exists for me. 


2. Screenshots of the inaccurate accounts being reported under my name for XXXX XXXX XXXX XXXX and XXXX XXXX. 
Conclusion Equifaxs actions represent a systemic failure to uphold its obligations under the FCRA, causing me significant financial and emotional harm. Their refusal to provide access to my credit file, furnish data without authorization, and report inaccurate information demonstrates a willful disregard for the law. 

I urge the CFPB to investigate Equifaxs noncompliance and impose appropriate penalties to ensure accountability and prevent future violations. 

Sincerely, XXXX XXXX