Product: Credit reporting or other personal consumer reports

Updated Draft Complaint for CFPB Complainant Information : Name : XXXX XXXX XXXX Address : General delivery XXXX North Carolina XXXX Phone : XXXX Email : XXXX Respondent Information : Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Against Equifax for Failure to Investigate Disputes, Negligence, and Inaccurate Reporting Details of the Complaint : This complaint is filed against Equifax Information Services LLC for their failure to comply with federal laws regarding the investigation of credit disputes, specifically the Fair Credit Reporting Act ( FCRA ). Equifax has engaged in practices that have caused significant harm to me, including : 1. Failure to Investigate Disputes : Despite submitting multiple disputes, Equifax verified inaccurate information as mine without conducting proper investigations. This includes repeated claims that accounts like XXXX XXXX XXXX and XXXX  loans from Dept. of Ed/XXXX belong to me, even though I provided identity theft documentation and evidence to the contrary. 
XXXX. Negligence in Reviewing Supporting Documentation : Equifax ignored evidence, including identity theft reports, submitted with my disputes. This neglect mirrors the issues raised in the CFPBs recent enforcement action requiring Equifax to pay {$15.00} XXXX for failing to properly investigate disputes. 
XXXX. Ongoing Inaccurate Reporting : Equifax continues to report inaccurate accounts such as XXXX XXXX XXXX and XXXX  loans as mine. 
Despite my disputes, they failed to substantiate their findings or provide me with detailed explanations regarding their investigation results. 
Their practices have harmed my credit score, financial opportunities, and emotional well-being. 
XXXX. Violation of Federal Requirements : Equifax has repeatedly ignored its obligation to ensure the maximum possible accuracy of the information in its credit reports. Their responses to my complaints, including those submitted to the CFPB in XXXX, demonstrate their failure to meet basic consumer protection standards. 

Relief Requested : 1. Immediate Correction of My Credit Report : Update all disputed accounts, including XXXX XXXX XXXX and XXXX loans, to reflect Paid as Agreed. 
Remove all fraudulent or inaccurate information. 
2. Assurance of Ongoing Accurate Reporting : Ensure all accounts, including XXXX  loans and others, are permanently reported as Paid as Agreed. 
3. Monetary Compensation for Damages : I seek {$250000.00} in compensation for the following : Damaged credit score and financial harm. 
Emotional distress caused by years of disputes and neglect. 
Loss of financial opportunities such as loans, housing, and employment. 
4. Compliance Monitoring : Require Equifax to implement compliance measures ensuring proper investigations of disputes and accurate credit reporting, in alignment with the CFPBs recent enforcement order. 

Supporting Evidence : Uploaded Complaint Records : Dispute results from Equifax, correspondence related to identity theft claims, and documentation showing repeated verification of inaccurate accounts. 
CFPB Order Against Equifax : The CFPBs enforcement action dated XX/XX/XXXX, demonstrates systemic failures by Equifax to comply with federal law. 
History of Disputes : Years of records showing Equifaxs failure to address my concerns, including a complaint filed through the CFPB in XXXX. 

Conclusion : Equifaxs actions have caused ongoing harm to my financial and emotional well-being. Their negligence, as confirmed by the CFPBs recent enforcement action, underscores the need for accountability. I urge the CFPB to take swift action to ensure Equifax corrects its practices, compensates me for damages, and complies with its legal obligations to consumers.