Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Persistent Inaccuracies and Request for Deletion of Unverifiable Information Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, and XXXX due to significant inaccuracies in my credit reports, which involve multiple accounts. These discrepancies reflect serious non-compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 
Discrepancies Listed Per Agency with Complaint IDs and Dates : Experian : '' XXXX XXXX XXXX XXXX XXXX$1100.00}, XXXX, Incorrect balance, late payment for XX/XX/XXXX, past due {$74.00} '' - Complaint ID : XXXX, Date : XX/XX/XXXX '' XXXX XXXX XXXX XXXX, {$7900.00}, XXXX, Charged-Off, inaccurate and unverifiable balance '' - Complaint ID : XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$93.00}, XXXX, Unverifiable charge-off balance, inaccurate payment history '' - Complaint ID : XXXX, Date : XX/XX/XXXX '' XXXX XXXX XXXX, {$1000.00} XXXX XXXX Not Provided ), Collection account, managed by XXXX XXXX XXXX reinserted without XXXX XXXX XXXX Complaint ID : XXXX, Date : XX/XX/XXXX '' XXXXXXXX XXXX XXXX, {$4500.00}, XXXX, Charged-Off, unverifiable status and balance discrepancies '' - Complaint ID : XXXX, Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX {$4500.00}, XXXX, Charged off as bad debt, {$4500.00} past due '' - Complaint ID : XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$7900.00}, XXXX, Charged off as bad debt, {$7900.00} past due '' - Complaint ID : XXXX, Date : XX/XX/XXXX '' XXXX XXXX XXXX, {$37000.00}, XXXX, Charged off as bad debt, {$37000.00} past due '' - Complaint ID : XXXX, Date : XX/XX/XXXX 'XXXX XXXX XXXX XXXX {$1000.00}, XXXX, Collection account, XXXX XXXX XXXX as original creditor, {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX '' - Complaint ID : XXXX, Date : XX/XX/XXXX XXXX : '' XXXX XXXX, {$11000.00}, XXXX, Charged off, {$6700.00} past due '' - Complaint ID : XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX0.00}, XXXX, Charged off, {$36000.00} past due '' - Complaint ID : XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX$1000.00}, XXXX, Collection Account, XXXX XXXX XXXX as original creditor, unpaid, updated XX/XX/XXXX XXXX XXXX XXXX ID : XXXX, Date : XX/XX/XXXX Violation of FCRA and Metro 2 Compliance : FCRA 1681e ( b ) and 1681i require credit information to be accurate, complete, and verified. The ongoing inaccuracies and the bureaus ' failure to correct them despite previous disputes demonstrate clear violations of these stipulations. 
Requested Action : Given the severity of these discrepancies and their significant impact on my financial health, I urge the CFPB to initiate a thorough investigation into these matters. I request that any information that can not be verified accurately and completely be deleted from my credit reports to ensure compliance with the FCRA. 
Please acknowledge receipt of this complaint and inform me of the steps you will take to address these issues. Attached are copies of relevant documentation for your reference. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of these persistent inaccuracies. 
Sincerely, XXXX XXXX