Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, KS, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Consumer Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate and unauthorized information reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Despite my previous attempts to resolve these discrepancies, XXXX has failed to accurately report and correct the items outlined below. 

Pursuant to 15 U.S.C. 1681i, consumer reporting agencies are required to maintain maximum possible accuracy in the information reported. Further, 15 U.S.C. 1681b specifies that a consumer report may only be furnished under certain permissible purposes and with the explicit consent of the consumer. The following inaccuracies and failures are in direct violation of my rights under the FCRA : XXXX. XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Phone Number : XXXX Issues : The account is inaccurately reported solely to XXXX and Equifax but is absent from XXXX XXXX 
The last reporting dates, dates of last activity, and last payment dates are inconsistent across reports. 
These discrepancies have caused significant confusion and harm to my creditworthiness. 
XXXX. Consumer Portfolio Services Account Number : XXXX Address : XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX Phone Number : XXXX Issues : Similar to the XXXX XXXX account, this account contains inaccurate and inconsistent reporting regarding key dates. 

I have never received a Form 1099-C for tax purposes for either of these accounts, which further violates consumer protection laws. 

These failures demonstrate a disregard for compliance with 15 U.S.C. 1681e ( b ), which requires XXXX to follow reasonable procedures to assure maximum possible accuracy. Furthermore, the sale or transfer of a consumers debt to third parties without proper notification is another violation of FCRA regulations. 

I would also like to bring to your attention the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX on XX/XX/year>, which alleged that XXXX violated the FCRA by misrepresenting the accuracy of credit scores provided to consumers. The CFPB highlighted XXXX systemic failures to ensure accurate reporting and transparency, which aligns with the issues I have experienced firsthand. The lawsuit serves as further evidence of XXXX history of noncompliance and disregard for consumer rights. 

The harm caused by XXXX negligence is substantial. The inaccuracies in my credit file have resulted in undue mental stress, financial losses, and reputational damage. As such, I am prepared to escalate this matter legally if immediate corrective action is not taken. 

I am requesting the following : XXXX. A full investigation and resolution of the inaccuracies in my credit file, as required under 15 U.S.C. 1681i. 
XXXX. The removal or of all inaccurate and inconsistent Negative information related on my consumer report. 
XXXX. Written confirmation of the completed investigation and any corrective actions taken. 

Should this matter remain unresolved, I will not hesitate to file complaints with the CFPB and other regulatory bodies, as well as pursue legal action for damages resulting from Experians failure to adhere to FCRA standards. 

I trust that XXXX will treat this matter with the seriousness it deserves. Please respond in writing to the address provided above within 30 days, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX