Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint XXXX Inaccurate Credit Reporting & FCRA Violations Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX XXXX  ( XXXX ), Experian, Equifax, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to report accurately, failure to conduct a proper verification process, and failure to mark my account as disputed. 

Despite my repeated disputes, XXXX continues to report inaccurate late payments, and the credit bureaus have failed to conduct proper investigations or comply with the FCRA requirements. These reporting errors are harming my credit profile unfairly. 

I. Additional Violations Found in Experians Report 1. Experian Failed to Properly Investigate My Previous Dispute ( FCRA 1681i ( a ) ( 1 ) ) My Experian credit report confirms that I previously disputed this account, yet the information was only marked as " updated '' and not properly corrected.

FCRA 1681i ( a ) ( 1 ) requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes an account.

Experian failed to correct or verify the accuracy of the reported late payments, despite my dispute. 
If Experian did not receive documented proof from XXXX, the law requires the account to be deleted under FCRA 1681i ( a ) ( 5 ) ( A ).

2. Experian and TransUnion Have Not Provided Their Method of Verification ( FCRA 611 ( a ) ( 7 ) ) TransUnion recently verified this account but failed to disclose how it was verified.

Experian also marked the account as updated but did not explain how XXXX verified the information. 
Under FCRA 611 ( a ) ( 7 ), I have the legal right to request and receive : The exact documentation XXXX provided to verify the account. 
The method by which the information was confirmed as accurate. 
If TransUnion and Experian can not provide this information, their verification process is flawed and unverifiable, meaning the account must be deleted.

3. Experian and Equifax Failed to Mark the Account as Disputed ( FCRA 1681i ( c ) ) My Experian report does not show this account as disputed, even though I have formally disputed it.

FCRA 1681i ( c ) requires all disputed accounts to be marked as disputed during the investigation. 
Failure to comply misleads potential creditors and negatively affects my creditworthiness. 
Experians failure to mark the account as disputed is a clear violation of the FCRA.

4. Inconsistent & Inaccurate Reporting Across Credit Bureaus ( FCRA 1681e ( b ) ) My credit reports contain major discrepancies, proving that at least one or all bureaus are reporting inaccurate data : Balance inconsistencies : TransUnion & Experian report {$1000.00}, while Equifax reports {$1000.00}.

Past Due discrepancies : TransUnion & Experian report {$59.00} past due, while Equifax reports {$0.00} past due.

Monthly Payment discrepancies : TransUnion & Experian report {$73.00}, while Equifax reports {$70.00}.

Account open date mismatch : TransUnion lists XX/XX/year>, while Experian & Equifax list XX/XX/year>. 
Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy.

If they can not ensure accuracy, the account must be deleted.

5. Possible Illegal Re-Aging of Debt ( FCRA 1681c ( c ) ( 1 ) ) If new late payments are still being added inaccurately, this could be an attempt to " re-age '' the account, which is illegal under FCRA 1681c ( c ) ( 1 ).

II. Requested Resolution Permanent Account Deletion Due to the serious violations outlined above, I demand : 1. Immediate deletion of the XXXX account from Experian, Equifax, and TransUnion. 
XXXX. A detailed response from TransUnion outlining their exact method of verification per FCRA 611 ( a ) ( 7 ).

3. Correction of Experian and Equifaxs failure to mark this account as disputed. 
4. Immediate deletion of all reported late payments if XXXX can not provide verifiable proof. 

If XXXX and the credit bureaus fail to comply, I will escalate this matter by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my states Attorney General. 
Seeking legal action for willful noncompliance under FCRA 1681n, which allows for statutory and punitive damages.

I have attached copies of my Experian report and dispute history highlighting these violations for review.

I expect a formal response within 15 business days. Please investigate this matter urgently. 

Sincerely, XXXX XXXX