Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXXD.C. XXXX Subject : Formal Complaint Against Experian and XXXX XXXX XXXX for Unlawful Credit Reporting, FCRA Violations, and Deceptive Practices Dear Sir/Madam, I am submitting this formal complaint against Experian and XXXX XXXX XXXX for their blatant violations of the Fair Credit Reporting Act ( FCRA ), deceptive credit reporting practices, and failure to comply with federal laws regarding consumer disputes and reinvestigations. 

These violations have caused significant harm to my creditworthiness, and I am demanding immediate corrective action, including the permanent removal of the XXXX XXXX XXXX account from my Experian credit report. 

1. Unlawful Reporting and Verification of an Invalidated Account by XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully reinserted and continues to verify an invalid account as accurate on my Experian credit report, despite having removed the same account from both XXXX and XXXX over three months ago.

This selective reporting is a direct violation of FCRA Section 623 ( b ) ( 1 ) ( D ) [ 15 U.S.C. 1681s-2 ( b ) ], which requires furnishers to update and correct all credit reporting agencies when a dispute results in modifications or deletions. XXXX XXXX XXXX failure to notify Experian is an unfair, deceptive, and illegal practice. 

Violations by XXXX XXXX XXXX XXXX : Failure to Report Corrections to All CRAs ( FCRA Section 623 ( b ) ( 1 ) ( D ) ) XXXX XXXX XXXX removed this account from XXXX and XXXX but failed to update Experian as required by federal law. 
This selective reporting is deceptive and results in an inaccurate and misleading credit report.

Illegal Reinsertion of Previously Deleted Information ( FCRA Section 611 ( a ) ( 5 ) ( C ) ) An account that has been removed can not be reinserted unless the furnisher follows strict procedural safeguards, including written notification to the consumer within five business days.

I have not received any notification, meaning this reinsertion is unlawful.

Knowingly Reporting False Information ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX knows this account is inaccurate and knows it was removed from XXXX and XXXX, yet it continues to report and verify it with Experian. 
This is a willful violation of the FCRA, subjecting XXXX XXXX XXXX to civil liability under 15 U.S.C. 1681n. 

Civil Penalties for XXXX XXXX XXXX FCRA Violations Under the FCRA [ 15 U.S.C. 1681n & 1681o ], XXXX XXXX XXXX is liable for the following : Willful violations : Up to {$4100.00} per violation in statutory damages. 
Negligent noncompliance : Actual damages plus attorney fees. 
Punitive damages due to the intentional and reckless nature of their violations. 

I demand that XXXX XXXX XXXX : 1. Immediately cease reporting this account to Experian and delete it from my credit report. 
2. Provide a full explanation of why this account was removed from XXXX and XXXX but remains on Experian. 
3. Provide written certification that they have updated Experian to remove the account. 

2. Experians Sham Dispute Investigations and Unlawful Allowance of False Reporting Experian has knowingly participated in this illegal reporting scheme by failing to properly investigate my disputes and continuing to verify an account that is demonstrably false and unverified. 

Violations by Experian Include : Failure to Conduct a Proper Reinvestigation ( FCRA Section 611 ( a ) ( 1 ) ( A ) ) Experian is blindly accepting XXXX XXXX XXXX false verifications without requiring any evidence, violating its duty to conduct a reasonable reinvestigation. 
Failure to Ensure Maximum Possible Accuracy ( FCRA Section 607 ( b ) ) By allowing XXXX XXXX XXXX to report an account that has already been removed from two other CRAs, Experian is actively misrepresenting the accuracy of my credit report. 
Negligence in Handling Consumer Disputes Experian has ignored multiple disputes and continues to report a false and legally invalid tradeline, damaging my credit profile. 

Civil Penalties for Experians FCRA Violations Each violation of the FCRA ( including improper reinvestigation, failure to notify, and failure to ensure accuracy ) is subject to : Statutory damages up to {$4100.00} per violation Actual damages for harm caused to my creditworthiness Punitive damages for reckless disregard of my rights 3. Experians Pattern of MisconductCFPBs Investigation Experians actions are part of a larger pattern of illegal behavior that has already led to CFPB lawsuits for similar violations, including : Sham dispute investigations that fail to resolve consumer complaints.

Illegal reinsertion of previously deleted tradelines without notice.

Systemic failure to notify consumers of dispute outcomes.

My case is a clear example of these unlawful practices. If Experian does not take immediate corrective action, I will escalate this matter with legal action and additional regulatory complaints.

Requested Actions Given these blatant violations, I demand : 1. The immediate and permanent deletion of the XXXX XXXX XXXX account from my Experian credit report. 
2. A full explanation from XXXX XXXX XXXX regarding why they removed this account from XXXX and XXXX but continue to report it to Experian. 
XXXX. A statement of certification from Experian confirming removal of this account and details of the reinvestigation process. 
4. Immediate compliance with FCRA requirements to ensure accuracy across all CRAs.

Failure to Comply Will Result in Further Action If Experian and XXXX XXXX XXXX fail to correct these violations, I will : File lawsuits for willful and negligent violations of the FCRA. 
Submit formal complaints to the Federal Trade Commission ( FTC ), my state Attorney General, and consumer protection agencies. 
Seek statutory and punitive damages under 15 U.S.C. 1681n. 

Conclusion Experian and XXXX XXXX XXXX have engaged in clear, willful violations of the Fair Credit Reporting Act, resulting in ongoing harm to my creditworthiness. I expect an immediate response within 15 days, as required under federal law.