Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX * * Date : * * [ Current Date ] * * Consumer Financial Protection Bureau * * XXXX XXXX XXXX XXXX XXXX, IA XXXX * * RE : FORMAL COMPLAINT AGAINST EQUIFAX INFORMATION SERVICES LLC * * * * Systematic FCRA Violations, Metro 2 Format Violations, and Willful Non-Compliance * * * * Consumer Name : * * XXXX XXXX XXXX * * Date of Birth : * * XX/XX/XXXX * * SSN : * * XXXX -- - # # COMPLAINT SUMMARY I am filing this formal complaint against * * Equifax Information Services LLC * * for systematic, willful, and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., California Consumer Credit Reporting Agencies Act ( CCRAA ), Cal. Civ. Code 1785.1 et seq., and Metro 2 Credit Reporting Format standards. 

Over a * * XXXX period * * ( XX/XX/XXXX to XX/XX/XXXX ), I have submitted numerous disputes regarding inaccurate information on my Equifax credit report. Rather than conducting proper investigations as required by law, Equifax has engaged in a documented pattern of : 1. * * Contradictory determinations on identical accounts * * ( verified, then deleted, then reinserted, then deleted again ) 2. * * Improper " frivolous dispute '' designations * * to avoid legal investigation requirements 3. * * Illegal reinsertion of previously deleted information * * without required 5-day advance notice 4. * * '' Verification with modifications '' * * proving original information was inaccurate 5. * * Same-day contradictory responses * * ( multiple confirmation numbers, opposite results ) 6. * * Procedural obstruction * * through illegible document claims and identity verification inconsistencies This is not a case of isolated errors or good-faith disagreements about account accuracy. This is * * systematic obstruction of my statutory rights * * under the FCRA, demonstrating either willful non-compliance or reckless disregard for legal requirements. 

-- - # # DETAILED VIOLATIONS I have prepared a comprehensive * * XXXX chronological analysis * * ( attached as " Equifax Dispute Timeline & Violations Analysis '' ) documenting * * XXXX separate dispute responses * * with the following findings : # # # * * FCRA Violations : * * * * 1. 1681e ( b ) - Failure to Follow Reasonable Procedures for Maximum Possible Accuracy * *- Same accounts reporting different balances across multiple time periods- Accounts " verified as accurate '' yet simultaneously modified, proving inaccuracy - Inconsistent treatment : same creditor 's accounts deleted on one day, marked " frivolous '' same day * * 2. 1681i ( a ) ( 1 ) ( A ) - Failure to Conduct Reasonable Reinvestigation * * - Accounts " verified '' on XX/XX/XXXX, then * * deleted * * on XX/XX/XXXX ( next day ) - Proves " verification '' was inadequate, incomplete, or false - Multiple instances of marking disputes " frivolous '' without assessing new information provided * * 3. 1681i ( a ) ( 3 ) - Improper Frivolous Dispute Designations * * - Marking legitimate disputes " frivolous '' after only 2-3 attempts - No assessment of whether new information or documentation was provided - Used strategically to avoid investigation requirements after successful deletions * * 4. 1681i ( a ) ( 5 ) ( B ) - CRITICAL : Illegal Reinsertion Without Required Notice * * - * * XXXXXXXX XXXX XXXX ( * XXXX ) : * * Previously deleted, then reinserted on XX/XX/XXXX * * without XXXX advance written notice * * - * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) : * * Deleted XX/XX/XXXX, reappeared by XX/XX/XXXX * * with no reinsertion notice whatsoever * * - Consumer denied opportunity to challenge reinsertion before it occurred - No statement of right to add consumer statement to file - No list of persons who received credit report in past 6 months * * 5. 1681i ( a ) ( 6 ) - Failure to Provide Notice of Deletion * * - Multiple accounts deleted without proper notification to consumer - No explanation of deletion reasons or investigation procedures - Deletions discovered only through reinsertion letters * * 6. 1681i ( a ) ( 7 ) - Violation of 30-Day Investigation Requirement * * - Multiple disputes marked " in process '' for over 30 days with no results - Repeatedly told " dispute in process '' as excuse to reject new disputes - Creates impossible situation : can't re-dispute until results received, but results never provided -- - # # SPECIFIC ACCOUNTS DEMANDING IMMEDIATE DELETION Based on Equifax 's XXXX failure to properly verify and their pattern of contradictory determinations, I demand * * immediate and permanent deletion * * of the following accounts : # # # * * XXXX. XXXX XXXX ( Account XXXX XXXXXXXX ) * * - * * Disputed : * * XXXX times between XX/XX/XXXX - XX/XX/XXXX - * * Results : * * Marked frivolous, then verified with modifications, then verified again with different modifications - * * Balance Inconsistency : * * Reported as {$11000.00} across multiple " verifications '' but with changing dates of delinquency - * * Violation : * * If truly " verified, '' why continuously modify " Date of Major Delinquency '' and " Additional Information ''? 
- * * Metro 2 Violation : * * Inconsistent reporting of XXXX ( Date of Account Information ) and XXXX ( Date of First Delinquency ) # # # * * XXXX. XXXX XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) * * - * * Disputed : * * XXXX times between XX/XX/XXXX - XX/XX/XXXX - * * Results : * * The most egregious example of Equifax 's pattern : - XX/XX/XXXX ( Conf. XXXX ) : " Verified with modifications '' - XXXX {$39000.00} - XX/XX/XXXX ( Conf. XXXX ) : " Frivolous - dispute in process '' ( same day, same account ) - XX/XX/XXXX ( Conf. XXXX ) : * * DELETED * * ( one day after " verification '' ) - XX/XX/XXXX ( Conf. XXXX ) : * * REAPPEARED * * with no reinsertion notice - Balance {$39000.00} - XX/XX/XXXX ( Conf. XXXX ) : " Frivolous - dispute in process '' - XX/XX/XXXX ( Conf. XXXX ) : " Verified with modifications '' - XX/XX/XXXX ( Conf. XXXX ) : " Verified '' again with different modifications- * * Balance Changes : * * {$39000.00} {$39000.00} varying amounts across " verifications '' - * * Critical Violation : * * Account deleted XX/XX/XXXX, reappeared XXXX without 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) required notice - * * Metro 2 Violation : * * Multiple violations of consistency requirements for Account Status ( XXXX ), Balance ( XXXX ), and XXXX # # # * * XXXX. XXXX XXXX XXXX / XXXX XXXX  ( Multiple Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) * * - * * Disputed : * * XXXX times across various account number iterations- * * Pattern : * * Name variations used ( XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) suggesting intentional relabeling to evade dispute history - * * Results Cycle : * * - XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  DELETED * * ( Conf. XXXX & XXXX ) - XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX REINSERTED * * without XXXX notice ( Conf. XXXX ) - XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX DELETED * * again ( Conf. XXXX ) - XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  DELETED * * ( Conf. XXXX ) - XX/XX/XXXX : XXXX CARD * * DELETED * * ( Conf. XXXX ) - * * Critical Violation : * * Reinsertion on XX/XX/XXXX violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - no XXXX advance notice - * * Metro 2 Violation : * * Use of name variations to report same account violates consistency and unique identifier requirements # # # * * XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Accounts XXXX XXXX XXXX XXXX XXXX XXXX ) * * - * * Disputed : * * Multiple times - * * Results : * * Accounts XXXX XXXXXXXX and XXXX XXXXXXXX deleted XX/XX/XXXX ( Conf. XXXX ) without any prior mention in correspondence - * * Account XXXX XXXXXXXX : * * " Verified as accurate '' but " unrelated information updated '' on XX/XX/XXXX - * * Violation : * * If accounts were legitimate, why delete? If illegitimate, why were they reporting in first place? 
- * * Metro 2 Violation : * * Multiple account numbers for same institution without proper portfolio type designation # # # * * XXXX. XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) * * - * * First Appearance : * * XX/XX/XXXX ( Conf. XXXX ) - * * Result : * * " Verified as accurate '' but with modifications to : - Additional Information - Actual Payment - Scheduled Payment - Date of Major Delinquency - Historical Account Information - * * Violation : * * Brand new dispute immediately resulted in " verified but updated '' - if verified, why modify XXXX separate fields? 
- * * Debt Buyer Issue : * * As debt buyer, must comply with 15 U.S.C. 1692g validation requirements before reporting- * * Currently Disputed : * * XX/XX/XXXX ( Conf. XXXX ) - awaiting results # # # * * XXXX. XXXX XXXX ( Account XXXX XXXX ) * * - * * Result : * * XX/XX/XXXX ( Conf. XXXX ) - " Verified as accurate '' but modified : - Additional Information - Closed Date - Scheduled Payment - Date of Last Payment - * * Violation : * * Account shows as " Paid and Closed '' with {$0.00} balance, yet XXXX fields required modification after dispute - * * Metro 2 Violation : * * Reporting closed account with modification to closure date proves original reporting inaccurate -- - # # METRO 2 FORMAT VIOLATIONS The Metro 2 Credit Reporting Resource Guide ( published by Consumer Data Industry Association ) establishes mandatory data formatting and reporting standards. Equifax 's handling of the above accounts violates multiple Metro 2 requirements : * * 1. Data Consistency Requirements ( Section 3.1 ) * * - Same accounts must report consistent information across all furnishers and bureaus - XXXX  account showing different balances ( {$39000.00} vs {$39000.00} ) within XXXX period violates consistency requirement * * XXXX. XXXX Reporting Accuracy ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Date of Account Information ) : Must reflect date of last update - XXXX ( Date of First Delinquency ) : Can not change once established - Multiple " verifications '' that modify " Date of Major Delinquency '' violate XXXX consistency rule * * XXXX. Account Status Codes ( Field 11 ) * * - Status changes ( deleted reinserted deleted ) without supporting documentation violate status code integrity - " Verified '' status can not coexist with simultaneous field modifications * * XXXX. Special Comments Codes * * - " Consumer Disputes After Resolution '' notation applied incorrectly - Should be removed after dispute resolved, but remains across multiple " verifications '' * * XXXX. Unique Account Identification * * - XXXX using multiple name variations ( XXXX, XXXX XXXX, XXXX XXXX  ) for same account violates unique identifier requirement - Creates confusion and suggests intentional evasion of dispute tracking -- - # # PATTERN OF WILLFUL NON-COMPLIANCE The attached chronological analysis reveals this is not negligence but * * willful non-compliance * * under FCRA 1681n, supported by : # # # * * Evidence of Intent : * * XXXX. * * Same-Day Contradictory Determinations : * * - XX/XX/XXXX : XXXX  account XXXX ( XXXX confirmations ) while XXXX  marked " frivolous '' ( XXXX confirmation ) - XX/XX/XXXX : XXXX  * XXXX " verified '' AND " frivolous '' ( same account, same day, XXXX different confirmations ) XXXX. * * Strategic Use of " Frivolous '' Designation : * * - After successful deletions in XXXX, subsequent disputes marked " frivolous '' to prevent investigation - No assessment of new information provided with each dispute - Used to circumvent 30-day investigation requirement XXXX. * * Procedural Obstruction : * * - XX/XX/XXXX : Suddenly claimed documents " illegible '' after processing multiple prior disputes - Identity accepted, then questioned, then accepted again - no consistent standard XXXX. * * Verification-Then-Deletion Pattern : * * - XX/XX/XXXX : XXXX  and XXXX  " verified with modifications '' - XX/XX/XXXX : XXXX  * * deleted * * ( next day ) - Proves XX/XX/XXXX " verification '' was knowingly false or grossly inadequate XXXX. * * Illegal Reinsertion : XXXX XXXX XXXX XXXX XXXX XXXX reinserted XX/XX/XXXX without required XXXX advance notice - XXXX XXXX XXXXXXXX reappeared XX/XX/XXXX with no notice at all - Demonstrates knowledge of deletion but intentional circumvention of reinsertion notice requirement -- - # # HARM SUFFERED As a direct result of Equifax 's violations, I have suffered : # # # * * XXXX. Financial Harm : * * - Credit applications denied or approved with unfavorable terms due to inaccurate charge-off and delinquency reporting - Unable to qualify for rental housing due to negative items - Higher interest rates on approved credit ( estimated $ [ amount ] in additional interest costs ) # # # * * 2. Credit Score Damage : * * - Constant flux of accounts being deleted, reinserted, and " verified '' creates unstable credit profile - Score fluctuations prevent accurate assessment of creditworthiness - Current score artificially depressed by inaccurately reported charge-offs # # # * * 3. Time and Resources : * * - Over 25 months spent disputing same accounts repeatedly - XXXX dispute submissions with documentation preparation - Countless hours monitoring credit reports for unauthorized reinsertions - Cost of obtaining multiple credit reports to track Equifax 's contradictory actions # # # * * 4. Emotional Distress : * * - Stress and XXXX  from systematic obstruction of legal rights - Frustration from contradictory responses and circular dispute process - Feeling of helplessness when legitimate disputes marked " frivolous '' # # # * * XXXX. Opportunity Costs : * * - Inability to obtain credit for business ventures- Missed opportunities for favorable financing - Delayed major purchases ( vehicle, housing ) due to credit report inaccuracies -- - # # LEGAL BASIS FOR RELIEF # # # * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : * * * * 1681e ( b ) - Reasonable Procedures for Accuracy : * * * '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " * * * Violation : * * Equifax 's pattern of verifying information that is immediately deleted, reinserted without notice, and repeatedly modified proves failure to follow reasonable procedures. 

* * 1681i ( a ) - Procedure in Case of Disputed Accuracy : * * * '' If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly... the agency shall ... conduct a reasonable reinvestigation ... '' * * * Violation : * * Marking disputes " frivolous '' without assessing new information, conducting " verifications '' that result in deletions the next day, and using " dispute in process '' to avoid investigation requirements. 

* * 1681i ( a ) ( 5 ) ( B ) - Reinsertion of Disputed Information : * * * '' A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation... not later than XXXX business days after the date on which the item of information is reinserted. " * * * Critical Violation : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reinserted without required advance notice. 

* * 1681i ( a ) ( 6 ) - Notice of Deletion : * * * '' A consumer reporting agency shall provide notice of a deletion of information ... to any person specifically designated by the consumer who has within two years received a consumer report for employment purposes, or within six months received a consumer report for any other purpose ... '' * * * Violation : * * Multiple deletions occurred without proper notice or explanation of investigation procedures.

* * 1681n - Civil Liability for Willful Noncompliance : * * * '' Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ... any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ... '' * * * Applicable : * * Pattern of same-day contradictions, illegal reinsertions, and strategic " frivolous '' designations demonstrates willful noncompliance. 

# # # * * California CCRAA ( Cal. Civ. Code 1785.1 et seq. ) : * * * * 1785.25 ( a ) - Accuracy Requirements : * * California law imposes additional accuracy requirements and provides for statutory damages, attorneys ' fees, and punitive damages for violations. 

-- - # # DEMANDS FOR RELIEF I respectfully demand the Consumer Financial Protection Bureau : # # # * * XXXX. IMMEDIATE ACTIONS : * * * * A. XXXX Equifax to PERMANENTLY DELETE the following accounts from my credit report within 10 business days : * * - XXXX XXXX ( XXXX XXXXXXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) - XXXX XXXX XXXX  ( XXXX XXXXXXXX ) - XXXX XXXX XXXX ( XXXX XXXX XXXX - XXXX XXXX ( XXXX XXXX  ) - XXXXXXXX XXXX XXXX ( all account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - XXXX XXXX XXXX ( XXXX XXXXXXXX ) - XXXX XXXX ( XXXX XXXXXXXX ) * * Basis : * * Equifax has demonstrated through XXXX documented dispute responses spanning 25 months that it can not or will not properly verify these accounts. Under FCRA 1681i ( a ) ( 1 ) ( A ), information that can not be verified must be deleted. 

* * B. Order Equifax to provide written confirmation of deletions within XXXX business days of deletion * * * * XXXX. Order Equifax to notify all entities who received my credit report in the past 24 months of the deletions * * # # # * * XXXX. COMPENSATORY RELIEF : * * * * A. Actual Damages : * * - Financial harm from credit denials and unfavorable terms : $ [ Amount ] - Cost of credit monitoring and report fees over 25 months : $ [ Amount ] - Lost opportunity costs : $ [ Amount ] - Emotional distress : $ [ Amount ] * * XXXX Statutory Damages under FCRA 1681n : * * - Minimum {$100.00} per violation documented violations = $ [ Amount ] - Court discretion up to {$1000.00} per violation * * XXXX Punitive Damages : * * - Pattern of willful non-compliance warrants punitive damages to deter future violations - Same-day contradictions, illegal reinsertions, and strategic " frivolous '' designations demonstrate reckless disregard for consumer rights * * XXXX Attorney 's Fees and Costs : * * - Under FCRA 1681n ( a ) ( 3 ) and Cal. Civ. Code 1785.31 ( d ) # # # * * 3. SYSTEMIC REFORMS : * * * * A. Order Equifax to reform dispute processing procedures : * * - Eliminate use of " frivolous '' designation without documented assessment of new information - Implement controls to prevent same-day contradictory determinations - Require documentation of verification method and furnisher response for all " verified '' accounts * * B. Order Equifax to comply with Metro 2 format standards : * * - Maintain consistency in account identification ( prevent name variation abuse ) - Ensure K-code accuracy and consistency - Properly code dispute status and resolution * * C. Order Equifax to provide proper notice for all reinsertions : * * - Full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) including 5-day advance notice - Statement of consumer 's right to add statement to file - List of entities who received report in past 6 months * * D. Independent audit of Equifax 's dispute processing : * * - Review of other consumers experiencing similar patterns - Assessment of automated vs. manual review procedures- Evaluation of compliance with FCRA investigation requirements # # # * * 4. REGULATORY ENFORCEMENT : * * * * A. CFPB investigation of Equifax 's systematic practices * * * * B. Civil penalties for pattern of violations affecting multiple consumers * * * * C. Consent order requiring ongoing compliance monitoring * * * * D. Public disclosure of findings to warn other consumers * * -- - # # PRIOR ATTEMPTS TO RESOLVE Before filing this complaint, I attempted to resolve these issues through : XXXX. * * XXXX separate dispute submissions * * to Equifax over XXXX period ( XX/XX/XXXX- XX/XX/XXXX ) XXXX. * * Multiple written demand letters * * sent XX/XX/XXXX to : - Equifax ( demanding deletion under FCRA ) - XXXX  ( for cross-bureau violations ) - XXXX  ( for incomplete investigations ) - Direct furnishers ( XXXX, XXXX, XXXX XXXX XXXX ) XXXX. * * Attempts to submit supporting documentation * * met with " illegible documents '' claims ( XX/XX/XXXX ) XXXX. * * Good faith engagement * * with dispute process, providing detailed explanations and documentation with each dispute Despite these extensive efforts, Equifax has : - Continued contradictory determinations - Maintained accounts after documented inability to verify- Illegally reinserted deleted information - Marked legitimate disputes as " frivolous '' - Created procedural barriers through identity verification inconsistencies This complaint is necessary because Equifax has demonstrated it will not comply with FCRA requirements through voluntary measures. 

-- - # # REQUEST FOR INVESTIGATION SCOPE I respectfully request that CFPB 's investigation include : XXXX. * * Review of Equifax 's dispute processing procedures : * * - Criteria for marking disputes " frivolous '' - Use of automated vs. manual review systems- Internal controls to prevent same-day contradictions - Training and oversight of dispute handlers 2. * * Verification of furnisher communication : * * - What verification did furnishers actually provide for " verified '' accounts? 
- Why were accounts " verified '' then deleted the next day? 
- What new verification supported illegal reinsertions? 

XXXX. * * Examination of similar complaints : * * - Pattern analysis : Are other consumers experiencing identical issues? 
- Systemic problems with XXXXXXXX XXXX XXXX and XXXX accounts XXXX 
- Industry-wide issues with Metro 2 compliance? 

XXXX. * * Review of reinsertion procedures : * * - How many accounts were reinserted without required 5-day notice?

- Internal procedures for tracking deletions and preventing improper reinsertions 5. * * Assessment of technological systems : * * - Does Equifax 's system allow same-day contradictory determinations? 
- Safeguards to prevent deleted accounts from automatically reappearing -- - # # LEGAL REPRESENTATION [ ] I am currently represented by an attorney : _______________________ [ X ] I am not currently represented but reserve the right to obtain counsel [ ] I authorize CFPB to share this complaint with state attorneys general -- - # # AUTHORIZATION AND CONSENT I hereby authorize the Consumer Financial Protection Bureau to : XXXX. Investigate this complaint and all related matters XXXX. Share this complaint and supporting documentation with : - Equifax Information Services LLC XXXX Federal Trade Commission - State regulatory agencies ( California DFPI ) - State attorneys general - Other relevant regulatory bodies XXXX. Request additional information or documentation from me as needed XXXX. Pursue any enforcement actions deemed appropriate XXXX. Include this complaint in public databases and statistical reporting ( with personal information redacted as appropriate ) I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge, information, and belief. 

-- - # # CONTACT INFORMATION * * Consumer : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX * * Phone : * * ( XXXX ) XXXX * * Email : * * XXXX * * Preferred Contact Method : * * [ ] Phone [ X ] Email [ ] Mail * * Best Time to Contact : * * Weekdays XXXX XXXX  - XXXX XXXX  XXXX XXXX -- - # # RESPONDENT INFORMATION * * Equifax Information Services LLC * * XXXX XXXX XXXXXXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Website : www.equifax.com * * Prior Complaint References : * * - CFPB Complaint # XXXX ( referenced in my XX/XX/XXXX demand letter ) - CFPB Complaint # XXXX ( XXXX, related matter ) - CFPB Complaint # XXXX ( XXXX, related matter ) -- - * * URGENT REQUEST : * * Given the ongoing harm from inaccurate credit reporting and Equifax 's demonstrated pattern of violations over 25 months, I respectfully request : XXXX. * * Expedited investigation * * of this complaint XXXX. * * Immediate injunctive relief * * ordering temporary deletion of disputed accounts pending investigation 3. * * Priority review * * given willful nature of violations and consumer harm This is not a simple dispute about account accuracy. This is a documented pattern of systematic FCRA violations designed to frustrate consumer rights and maintain inaccurate information despite repeated proof of inability to verify. 

I appreciate the CFPB 's attention to this serious matter and stand ready to provide any additional information or documentation needed for your investigation. 

Respectfully submitted, XXXX XXXX XXXX XXXX -- - * This complaint is submitted in good faith based on documented evidence of FCRA violations. All statements are true and accurate to the best of my knowledge. I reserve all rights to pursue private litigation if CFPB investigation does not result in satisfactory resolution. *

Company response to consumer: Closed with explanation