Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against credit bureau and reporting agencies for improperly handling my credit report disputes. I have previously submitted a dispute directly to Experian and TransUnion regarding inaccuracies on my credit report. However, the investigation conducted was insufficient. The representative stated that they do not require or mandate creditors or collection agencies to provide documentation verifying the information ; they can simply rely on hearsay from creditors and consider it validated. This information was given to me on XX/XX/XXXX, when I inquired about why my reports contain inaccuracies. I have reason to believe that Experian / TransUnion violated federal regulations governing credit reporting practices, specifically the Fair Credit Reporting Act ( FCRA ). Summary of Discrepancies : Account ( XXXX ) Involved : XXXX XXXX XXXX Address XXXX, MI XXXX Phone number ( XXXX ) XXXX Balance {$340.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$340.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account type Collection Collection account. {$1800.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Account previously in dispute - investigation complete, reported by data furnisher XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XX/XX/XXXX Original balance {$1000.00} Open/closed Closed Date opened XX/XX/XXXX Account type Collection account. {$1000.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Original balance {$1000.00} Additional info Responsibility Individual Terms 1 Month XXXX sold XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX Account info Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary Status Account charged off. {$340.00} written off. Status updated XX/XX/XXXX Highest balance $ 341 Monthly payment - Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Purchased by another lender Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Credit usage 8 % Balance {$220.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Status Account charged off. {$220.00} written off. {$120.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$120.00} Highest balance {$240.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX sold Contact info Address XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Credit usage 100 % Balance {$580.00} Balance updated XX/XX/XXXX Credit limit {$400.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$580.00} Highest balance {$580.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Comments Account information disputed by consumer Contact info Address XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX BANK Address XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Balance details 14 % paid off Balance {$1500.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary Status Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Current amount {$1500.00} Original balance {$1700.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months XXXX sold Account information disputed by consumer Inaccurate Inquires XXXX XXXX XXXX WAS PAID IN FULL AND SHOULD BE REMOVED OFF MY CREDIT REPORT XXXX Inquiries Inaccurate Personal Information Name - ( XXXX XXXXXXXX ) Names : ( XXXX XXXX ) Please read the following as it pertains to each creditor listed above in this notice. These are violations they have violated and violated my rights as a consumer per 15 U.S. Code 1681n This law covers civil liability for intentionally failing to comply with consumer protection requirements. It states that consumers can sue for actual damages, punitive damages, and attorney 's fees. It also applies to obtaining consumer reports under false pretenses. 12 U.S. Code 5536 This law prohibits covered persons and service providers from violating federal consumer financial laws. It also prohibits unfair, deceptive, or abusive acts or practices. 15 U.S.C. 1681s-2 ( a ) ( 1 ) This law prohibits providing inaccurate information about consumers to consumer reporting agencies. It also states that a person can not provide inaccurate information after being notified by the consumer. And which states it charged off and a cancelled debt. 26 U.S. Code 6050P US C CODE 1692 G U.S. Code 15 1692g is a law that regulates how debt collectors can validate debts. It requires debt collectors to send consumers a written notice that includes information about the debt. The law also requires debt collectors to stop collecting debts if the consumer disputes the debt. Bureau stated they do not require or mandate a creditor to provide documentation to validate debts. Improper Investigation was told creditors did not have to provide a method of verification by bureau rep on XX/XX/XXXX, via audio phone call. 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers. It prohibits debt collectors from communicating with consumers without their consent, or at inconvenient times or places. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Despite providing clear evidence of these discrepancies, bureau failed to thoroughly investigate the dispute or resolve the inaccuracies in accordance with the law. The results of their investigation were erroneous and not in line with the documentation I submitted. Additionally, bureau and reporting companies failed to perform the required due diligence, which is a violation of my rights under the FCRA. Alleged Violations : Failure to Correct Inaccurate Information : did not adequately verify or correct the inaccuracies within the XXXX-day timeframe mandated by the FCRA. Improper Investigation : The investigation conducted was incomplete and did not take into account all the relevant documentation provided by me. Failure to Notify or Provide Explanation : After submitting my dispute, Experian and Transunion did not provide me with a detailed explanation of their findings or furnish relevant information that would allow me to further challenge their conclusions.