Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint against Experian, XXXX, and XXXX ( collectively, " the Credit Bureaus '' ) for failing to comply with federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.. 

A fraudulent account from XXXX XXXX XXXX ( Account Number : XXXX ) has been reported on my credit file without my authorization. I have taken the necessary legal steps, including : Contacting the alleged creditor ( XXXX XXXX XXXX ) and filing a fraud report stating that I did not authorize this account. 
Disputing the account in writing with the credit bureaus over 30 days ago, per my rights under FCRA 611 ( a ) ( 1 ) ( A ).

Providing all necessary supporting documents, including a copy of my ID, proof of address, and a police report.

Despite my efforts, the credit bureaus have failed to remove the fraudulent account, failed to conduct a reasonable reinvestigation, and have not provided me with legally required documentation proving the legitimacy of this account, such as a signed contract or original application bearing my signature. Their inaction is a blatant violation of consumer protection laws.

Specific Violations Committed by the Credit Bureaus : Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) The credit bureaus must complete a reinvestigation within 30 days of receiving my dispute.

My dispute was submitted over a month ago, yet the account remains on my report without any legitimate evidence of its validity.

Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) The account is fraudulent, inaccurate, and inconsistent across multiple bureaus, proving the lack of accuracy and reliability in reporting. 
Failure to Provide Documentation ( FCRA 609 ( a ) ( 1 ) ) The bureaus are required to provide me with documentation supporting their claim that this account is valid.

No contract, application, or signature from me has been provided, making the reporting of this account unlawful.

Failure to Remove a Fraudulent Account ( FCRA 605B ) Under identity theft provisions, a fraudulent account must be blocked once reported with supporting evidence.

The bureaus failure to block and remove the fraudulent account is a violation of federal law.

Failure to Protect Consumer Data ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) By allowing a fraudulent account to be reported and refusing to remove it, the credit bureaus have failed to safeguard my personal information. 
Failure to Provide Resources for Identity Theft Victims ( FCRA 1681g ( e ) ) The bureaus must provide assistance to victims of identity theft, including placing a fraud alert and providing identity theft-related resources.

This has not been done in my case, further exacerbating the harm caused to me.

Relief Requested from CFPB : Immediate removal and permanent blockage of the fraudulent account ( XXXX XXXX XXXX Account No. XXXX ) from all three credit bureaus. 
Written confirmation of the accounts removal, along with an updated copy of my credit report.

Enforcement of penalties against the credit bureaus for non-compliance with federal law.

Assurance that the credit bureaus implement proper fraud prevention measures to prevent future unauthorized accounts from appearing on my credit report. 
The credit bureaus have failed in their legal obligations, and their refusal to remove fraudulent accounts causes significant financial harm. I urge the CFPB to take immediate action to enforce my rights under federal law and hold these agencies accountable for their violations. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX