Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this letter to formally request your assistance in resolving an issue with Experian regarding their inaccurate and incomplete reporting of a XXXX XXXX account. Despite multiple efforts to address this matter, Experian has failed to conduct an adequate investigation and continues to report incorrect information, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX account in question was charged off with a balance of {$6400.00} written off. The account was abruptly closed without prior notice, despite my history of on-time payments. Following its closure, late payments were reported inaccurately, and I have yet to receive an IRS Form XXXX for the charged-off amount, which raises questions about the proper handling and reporting of this account. 

When I first disputed this account with Experian earlier this week, I pointed out discrepancies in the reporting and provided a detailed history for their review. Experian responded by claiming the account was verified as accurate without addressing the specific issues I raised. 

In a subsequent dispute, I highlighted inconsistencies between Experians reporting and XXXX reporting for the same account. I mistakenly submitted XXXX information, expecting Experian to clarify which report was accurate. Instead, they adjusted their reporting to align with XXXX without investigating or resolving the original discrepancies. 

Upon further review, I have identified even more inaccuracies in the reporting of this account, including discrepancies with other credit bureaus, but Experian continues to deny my efforts to have the errors corrected. 


Experians actions, or lack thereof, constitute multiple violations of the FCRA, including : XXXX. Failure to Ensure Accurate Reporting ( FCRA Section 609 ( a ) ( 1 ) ) : Experian has failed to ensure that the information on my credit file is complete and accurate, as required by law. 
XXXX. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ) : My disputes were not adequately investigated, as evidenced by Experians cursory response of verified as accurate without addressing the details or providing supporting documentation. 
XXXX. Negligence in Handling Furnisher Information ( FCRA Section 623 ( a ) ( 1 ) ) : Experian has not ensured that the information provided by XXXX XXXX  was reported accurately and remains incomplete. 
XXXX. Failure to Disclose Consumer Rights ( FCRA Section 609 ( c ) ) : Experian failed to provide a clear explanation of my rights during the dispute process, including access to supporting documentation or clarification of their findings. 
XXXX. Potential Reporting of Outdated or Unverified Information ( FCRA Section 605 ( a ) ) : The continued reporting of a charged-off account without clarity regarding the issuance of a XXXX raises concerns about the accuracy and timeliness of the information being reported. 

Requested Action I am requesting the CFPB to review this matter and take the following steps to ensure compliance with the FCRA : XXXX. Require Experian to conduct a thorough and independent investigation into the inaccuracies I have identified. 
XXXX. Ensure that the XXXX XXXX account is removed from my credit file due to the unresolved reporting errors and discrepancies. 
XXXX. Provide confirmation regarding the status of the charged-off account and whether a XXXX has been issued as required by law. 
XXXX. Enforce Experians compliance with all relevant provisions of the FCRA to protect my rights as a consumer. 

I appreciate your attention to this matter and trust that the CFPB will act promptly to ensure my rights as a consumer are upheld.