Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I reviewed my credit report issued by Experian on XX/XX/XXXX and noticed some items are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC1681 ( e ) ( b ) I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple dispute letters I have sent. Experian has refused to conduct proper investigations and continues reporting inaccurate, inconsistent, and unverifiable information on my credit report. 
I have formally disputed errors on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and Experian has not complied with its legal obligation under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
Additionally, the CFPB has recently sued Experian for failing to conduct legitimate investigations of consumer disputes ( Case : CFPB Sues Experian for Sham Investigations of Credit Report Errors ). My experience is a direct example of their noncompliance, and I am requesting CFPB enforcement action. 
Violations by Experian : 1. Failure to Verify Debt or Remove Inaccurate Information ( 15 USC 1681e ( b ) & 1681i ( 5 ) ) In my XX/XX/XXXX dispute, I requested Experian to verify or remove a reported debt. 
Experian failed to provide verification and did not remove the account, violating FCRAs accuracy and reinvestigation requirements. 
2. Reporting Inconsistent & Conflicting Information Across Credit Bureaus ( 15 USC 1681e ( b ) ) Experian is reporting different removal dates for the same accounts across bureaus : XXXX  XXXX XXXX ( Partial acct # XXXX, {$27000.00} Collection ) o XXXX & Experian : Estimated removal XX/XX/XXXX o Experian ( separately reported ) : Estimated removal XX/XX/XXXX XXXX XXXX XXXX XXXX ( Partial acct # XXXX, {$7700.00} Collection ) o XXXX : Estimated removal XX/XX/XXXX o Experian : Estimated removal XX/XX/XXXX These inconsistencies prove Experian is failing to ensure accuracy, as required under 15 USC 1681e ( b ). 
3. Failure to Remove or Correct Paid Collection Accounts ( 15 USC 1681s-2 & 1681i ( 5 ) ) In my XX/XX/XXXX dispute, I reported that certain accounts were purchased for less than owed through a third-party debt collector. 
Experian failed to correct or delete these accounts, despite FCRAs mandate that inaccurate or unverifiable accounts be removed. 
4. Allowing Unregistered Debt Collectors to Report Debt ( California Law Violation ) FAIR COLLECTIONS AND OUTSOURCING ( a XXXXbased company ) is reporting a collection account on my Experian report. 
This debt collector is not registered in California and does not hold the required {$10000.00} surety bond to legally collect debts in the state. 
Experian is knowingly allowing an unregistered and non-compliant debt collector to report inaccurate information. 
How This Has Harmed Me : Experians refusal to comply with federal law has directly impacted my financial well-being : Credit denials & higher interest rates due to incorrect negative reporting. 
Potential loss of housing & employment opportunities due to misreported delinquency. 
Emotional & financial distress from Experians refusal to correct clear violations. 

Resolution Requested : I demand that Experian : 1. Conduct a proper reinvestigation of my disputes and delete all inaccurately reported accounts. 
2. Immediately delete all accounts with inconsistencies in account reporting, including date-of-first-delinquencies. 
XXXX. Remove collection accounts reported by unregistered debt collectors, per California law. 
4. Provide written confirmation of these corrections as required under FCRA. 
Experians continued noncompliance is unacceptable, and I request the CFPB to take enforcement action to ensure they are held accountable. 
Thank you for your prompt attention to this matter.