Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX for their failure to comply with consumer protection laws regarding the verification and correction of inaccurate credit information. For the past six months, I have been disputing the accuracy of information XXXX XXXX is reporting to the credit bureaus concerning my account status and payment history. Despite repeated attempts to obtain verification and resolution, the bank has failed to conduct a proper investigation or provide the documentation required by law to substantiate their claims. 

I have sent multiple written requests to XXXXXXXX XXXX, asking them to : 1. Conduct a thorough investigation into my account.

2. Provide copies of all documentation that support their reporting of my account status and payment history. 

In response, the bank has sent me repeated letters asserting that the information they are reporting is accurate but have failed to provide any evidence to substantiate these claims. Furthermore, I have spoken to two customer service managers from the XXXX XXXX  XXXX office who explicitly admitted that they do not possess any documentation to prove the accuracy of the information they are reporting. However, they also stated that, since my account was settled with a third party, there is nothing they can do to update the account status. 

When I requested that the bank delete any unverifiable information from my credit reportas required by lawthey refused my request. I also asked the representatives to reference my prior dispute letters in their responses, but they declined, citing the use of templates that can not be edited. This refusal to document their inability to verify the information further demonstrates their unwillingness to comply with consumer protection laws. 

XXXX XXXX actions ( or lack thereof ) are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that furnishers of information to credit bureaus must investigate disputed information and delete any information they can not verify. Their repeated failure to provide proof of accuracy, coupled with their refusal to take corrective action, constitutes a blatant disregard for the law and my rights as a consumer. 

I am requesting that the CFPB take immediate action to investigate XXXXXXXX XXXX handling of my disputes and their compliance with the FCRA. Specifically, I request that the following actions be taken : XXXX. Require XXXX XXXX to provide full documentation verifying the accuracy of the information they are reporting, or instruct them to delete the unverifiable information from my credit report. 
XXXX. Impose appropriate penalties on XXXX XXXX for failing to comply with the FCRA. 
XXXX. Ensure that XXXX XXXX adopts practices to prevent similar issues for other consumers in the future. 

Attached to this letter are copies of my correspondence with XXXX XXXX, their responses, and any other relevant documentation to support my complaint. I trust that the CFPB will take this matter seriously and hold XXXX XXXX accountable for their actions. 

Thank you for your attention to this matter. I look forward to your response and any updates on the progress of your investigation.