Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint & Urgent Dispute Violation of FCRA & Deceptive Reporting Practices by XXXX XXXX XXXX XXXX  and XXXX XXXX/XXXX  XXXX XXXX Credit Dear Consumer Financial Protection Bureau , I am filing this formal complaint and dispute against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX for fraudulent and deceptive reporting practices that are severely damaging my credit. These companies are inaccurately reporting a duplicate charge-off on my Experian credit report under Account XXXX : XXXX, despite this charge-off appearing only once on my XXXX and XXXX reports XXXX The charge-off details are as follows : XXXX XXXX XXXX  XXXX  : Balance of {$XXXX}, XXXX XXXX/XXXX Line of Credit : Balance of {$XXXX} I have attempted to resolve this matter directly with the companies, only to be met with contradictory and misleading responses. One company claims it is not responsible for addressing my dispute, yet I continue to receive unsolicited emails from the same company attempting to contact me regarding this account. This blatant deception not only calls into question the legitimacy of their reporting but also violates federal consumer protection laws. 

Violations of Federal Law & Immediate Removal Request 1. Fair Credit Reporting Act ( FCRA ) Violations ( 623, 15 U.S.C. 1681s-2 ) The law explicitly prohibits furnishers from reporting inaccurate, misleading, or duplicate information.

Reporting the same charge-off twice under different names is a clear violation of this law. 
Failure to properly investigate or correct this issue subjects these entities to legal action and statutory damages. 
2. Experians Current Legal Issues & Pattern of Misconduct Experian is already facing lawsuits for failing to uphold its duty to maintain accurate consumer credit reports.

Their reckless reporting and failure to investigate disputes is part of an ongoing pattern of negligence.

I demand immediate deletion of this duplicate entry to prevent further legal repercussions.

CFPB Action Requested I am demanding immediate intervention from the CFPB to : Investigate this fraudulent duplicate reporting and hold Experian accountable for failing to correct it. 
Compel Experian to immediately remove this duplicate charge-off from my report, as required by federal law. 
Take action against XXXX XXXX XXXX XXXX  and XXXX Bank for deceptive, inconsistent, and misleading communication regarding my dispute. 
Impose penalties on all responsible parties for violating the FCRA and causing financial harm. 

This malicious and deceptive reporting is destroying my creditworthiness, and I will not hesitate to escalate this matter further if Experian, the reporting companies, or the CFPB fail to act in accordance with federal law. 

I am attaching evidence of the duplicate reporting, email correspondence proving contradictory communication, and Experians record of legal issues as supporting documentation. I expect an immediate response and resolution within the legally required XXXX timeframe, per the Fair Credit Reporting Act. 

Failure to act on this complaint will leave me with no choice but to pursue legal action against all responsible parties. 

Sincerely, XXXX XXXX