Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Heres a strong, legally grounded and aggressive complaint letter to the Consumer Financial Protection Bureau ( CFPB ) that cites relevant federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

This version is designed to be used when you believe theres been a breach of your consumer rights, credit reporting errors, or mishandling of disputes by credit bureaus or furnishers. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Breach of Consumer Protection Laws, Failure to Correct Credit Reporting Errors, and Negligent Practices Dear CFPB Compliance Department, I am filing this formal complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) and their data furnishers for violating multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and CFPB Regulation V, resulting in significant harm to my credit, privacy, and financial well-being. 

XXXX. Violation of FCRA 1681i Failure to Conduct Reasonable Reinvestigation Despite my prior disputes, the credit reporting agencies have failed to conduct a reasonable reinvestigation of my claims. The accounts and inquiries in question remain inaccurate, unverifiable, and improperly reported in violation of 15 U.S.C. 1681i ( a ). 

Under FCRA, any account or inquiry that can not be verified within 30 days must be deleted immediately. Their continued reporting is unlawful and constitutes willful noncompliance. 

XXXX. Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy The bureaus are required to follow reasonable procedures to ensure maximum possible accuracy in credit reports. Reporting unauthorized inquiries, identity theftrelated accounts, and unverifiable debts demonstrates a clear breach of this duty. 

This negligence directly violates FCRA 1681e ( b ) and CFPB Regulation V ( 12 C.F.R. 1022.43 ). 

XXXX. Violation of FCRA 1681b Impermissible Use of Consumer Report Multiple hard inquiries were made without my knowledge or consent, which constitutes an impermissible pull under FCRA 1681b ( f ). These unauthorized inquiries are a breach of my privacy rights and must be immediately deleted. 

XXXX. Violation of FDCPA 807 & 809 Misrepresentation and Failure to Validate Debt Certain collection agencies have continued to report alleged debts after I requested validation under 15 U.S.C. 1692g ( b ). Their failure to provide verifiable proof of ownership, contract, or itemization violates FDCPA 807 ( 8 ) and constitutes deceptive collection practice.

5. Violation of Data Privacy and Consumer Rights This continued negligence amounts to a breach of my consumer data rights under CFPB Regulation P, as my personally identifiable information is being shared, used, and reported unlawfully. 


XXXX XXXX Relief Requested I am requesting immediate CFPB intervention and enforcement action compelling : Permanent deletion of all unverifiable, inaccurate, and unauthorized accounts/inquiries from my credit reports. 

Written confirmation from all credit bureaus and furnishers that the inaccurate data has been removed. 

Civil penalties and corrective measures against the violating parties for repeated breaches of federal consumer protection laws. 

Full compliance with FCRA 611 ( a ) ( 5 ) and notification of corrections to all prior recipients of my credit file. 

Failure to act will result in further escalation to state attorneys general and possible civil litigation under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 

I expect acknowledgment and resolution within 15 business days, per CFPB procedures and consumer protection guidelines. 

Sincerely, XXXX XXXX ALL Bureaus Are responsible for breaching my personal information amd employment information as i requested so many time to assist me in fixing They refuse...

Company response to consumer: Closed with explanation