Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for FCRA Violations and Deceptive Practices To Whom It May Concern, I am submitting this formal complaint against Equifax for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts, identity theft claims, and inaccurate reporting. Despite my numerous disputes and provision of all necessary documentation, Equifax has failed to take corrective action, resulting in significant financial and emotional harm. 
Violations by Equifax : 1. Failure to Properly Investigate Disputes Violation of FCRA 611 ( 15 U.S.C. 1681i ) * Equifax claims it has " certified '' fraudulent accounts as belonging to me, yet it has failed to provide any signed contracts or original documentation proving ownership. 
* My disputes have been closed without adequate investigation or proper verification from the furnishers. 
2. Failure to Block Identity Theft-Related Accounts Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) * I submitted the required FTC Identity Theft Report, Police Report, Drivers License, Social Security Card, and Utility Bill , yet Equifax has refused to remove fraudulent accounts from my report. 
* Equifaxs refusal to honor my identity theft claim is a direct violation of its legal obligation to block fraudulent accounts. 
3. Illegal Reinsertion of Previously Deleted Accounts Violation of FCRA 611 ( a ) ( 5 ) ( B ) * Equifax initially removed XXXX XXXX XXXX, then reinserted it without proper notice or certification. 
* This reinsertion was unlawful and has caused further damage to my credit score and financial standing. 
4. Failure to Remove Inaccurate Personal Information * Despite my requests, Equifax continues to report outdated and incorrect phone numbers and addresses, making me more susceptible to fraud. 
* This negligence violates FCRA 609 ( 15 U.S.C. 1681g ), which mandates accurate reporting of personal information. 
5. Failure to Protect Consumers After Data Breaches * My personal information has been involved in multiple data breaches and has been found on the dark web. 
* Equifaxs failure to adequately protect my data and take necessary precautions places me at heightened risk for identity theft. 
Requested Resolution : 1. Immediate and permanent removal of all fraudulent accounts, including but not limited to : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Multiple Accounts ) * Unauthorized Inquiries 2. Deletion of all outdated and inaccurate personal information. 
3. Compensation of {$20000.00} for financial damages, emotional distress, and the time spent repeatedly disputing these violations. 
4. A full investigation into Equifaxs failure to comply with federal regulations regarding dispute resolution and fraud prevention. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Equifax Correspondence and Dispute Results * Highlighted Credit Report with Disputed Items * Evidence of Data Breach Involvement & Dark Web Exposure Equifaxs refusal to act in compliance with federal laws is unacceptable, and I am requesting immediate intervention by the CFPB to ensure compliance and hold them accountable for their negligent and deceptive practices. 
Sincerely, XXXX XXXX