Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, I am filing this urgent complaint against Equifax regarding the continued inaccurate, unauthorized, and misleading reporting of the XXXX XXXX XXXX account on my credit report. 

This is not the first issue I have had with Equifax. I have had long-standing disputes with Equifax regarding inaccurate information on my credit report that does not belong to me, including problems with the Equifax data breach, improper investigations, and a continued failure to remove incorrect information despite multiple disputes. 

XXXX repeated negligence in handling my disputes and failure to follow federal laws are severely affecting my financial well-being. This issue must be resolved immediately. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Last Reported : XX/XX/XXXX Reported Balance : {$12000.00} Highest Balance : {$24000.00} Opened : XX/XX/XXXX Term : 80 months Current Status : Repossession ( Incorrect ) XXXX Pattern of Negligence & Violations 1. Ongoing Issues with Equifax Investigating Disputes : I have continuously disputed this and other accounts, yet Equifax fails to properly investigate or remove inaccurate information as required by the FCRA. 

Equifax has a history of mishandling consumer disputes and has ignored multiple attempts to resolve this issue. 

2. Failure to Address the Impact of the Equifax Data Breach : I was directly affected by the Equifax data breach, which compromised my personal information. Since then, incorrect and fraudulent accounts have appeared on my credit report.

Equifax has failed to take responsibility for correcting these errors and continues to report information that does not belong to me.

3. Unauthorized Reporting of Global Lending Services Account : I was listed as a co-signer on this account, but I never authorized it to be reported on my credit file in its current state.

Under 15 U.S.C. 1681b, Equifax must have permissible purpose to report an account. Reporting this account without my consent is a violation of my privacy rights and should be deleted immediately.

4. False Payment History and Late Payment Violations : The payment history is inaccurate, showing incorrect late payments spanning multiple years that do not match my actual payment record.

The reported date of first delinquency ( July 20, 2023 ) is incorrect, further misleading creditors and damaging my credit score.

Equifax is violating 15 U.S.C. 1681e ( b ) by failing to ensure the accuracy of reported information.

5. Inaccurate Loan Terms and Account Information : The loan term, payment amounts, and total balance do not match the original contract and have been disputed multiple times.

Equifax has refused to correct these discrepancies, violating 15 U.S.C. 1681i ( a ) by failing to investigate my dispute within the required 30-day timeframe.

6. Incorrect Account Status ( Repossession Misrepresentation ) : The account is incorrectly reported as Involuntary Repossession when this was a voluntary surrender due to ongoing contract disputes and errors.

Misrepresenting this as an involuntary repossession is a deceptive practice, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting false or misleading information.

7. Failure to Remove Disputed Information as Required by Law : I have disputed this account multiple times, and Equifax has failed to correct or remove the inaccurate data.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted. Despite my repeated disputes, Equifax continues to report this unverified and inaccurate account.

Demands for Immediate Action ( Within 15 Days, Preferably 24 Hours ) Since Equifax has already exceeded the legal timeframe to correct this issue, I demand : 1. Immediate and permanent deletion of the XXXX XXXX XXXX account from my Equifax credit report. 

XXXX. Correction of all misreported payment history, late payments, and account status. 

XXXX. A written confirmation of account removal within 15 days ( preferably 24 hours ).

4. A full investigation into Equifaxs handling of my disputes and an explanation of why they have ignored previous complaints.

If Equifax does not correct this issue within 15 days, I will : 1. File a legal complaint with the Internal Attorney General for enforcement of privacy violations and FCRA non-compliance.

2. Initiate legal action under 15 U.S.C. 1681n, seeking statutory damages of up to {$1000.00} per violation, plus additional damages for harm caused.

3. File a formal complaint with the Federal Trade Commission ( FTC ) to investigate Equifaxs ongoing failures to comply with consumer protection laws.

Conclusion This is not the first time Equifax has failed to correct inaccuracies on my report. I have dealt with their negligence repeatedly, and I am now escalating this issue to demand immediate action.

Equifaxs failure to investigate disputes properly, failure to correct inaccurate information, and history of consumer data mishandling make this a serious regulatory concern.

I expect the CFPB to hold Equifax accountable and take immediate enforcement action. 

Please confirm receipt of this complaint and provide updates on how the CFPB intends to ensure Equifax complies with federal laws. 

Sincerely, XXXX XXXX