Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am filing this complaint against the major credit reporting agenciesExperian, Equifax, and TransUnionfor their failure to remove and block multiple inaccurate, incomplete, and unverifiable accounts from my credit reports. Despite my formal disputes under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), these erroneous items continue to be reported. I now request that the CFPB enforce the immediate and permanent removal and blocking of these items in full compliance with federal law. 
Disputed Accounts ( Total : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations Cited : FCRA general compliance ( 15 U.S.C . 1681 et seq. ) Failure to maintain accuracy ( FCRA 607 ( b ) ) Failure to verify disputed information ( FCRA 1681i ) Failure to provide proper debt validation ( FDCPA 1692g ) XXXX Account Number : XXXX Issue : Collection account with discrepancies in balance, open date variations, and lack of cross-bureau validation.

Violations Cited : FCRA 607 ( b ) and 611 ( a ) FDCPA 1692g XXXX Account Number : XXXX Note : One letter specifies a date opened of XX/XX/XXXX. 
Violations Cited : FCRA 607 ( b ) and 611 ( a ) Failure to mark the account as disputed ( FCRA 1681i ( a ) ( 6 ) ( B ) ) FDCPA 1692g XXXX Account Number : XXXX Violations Cited : FCRA 607 ( b ) and 611 ( a ) FDCPA 1692g XXXX XXXX XXXX ( Account Variant XXXX ) Account Number : XXXX ( as listed in one dispute ) Violations Cited : FCRA 607 ( b ) and 611 ( a ) FDCPA 1692g XXXX XXXX XXXX ( Account Variant XXXX ) Account Number : XXXX Violations Cited : FCRA 607 ( b ) and 611 ( a ) FDCPA 1692g XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account Variant XXXX ) Account Number : XXXX Violations Cited : FCRA 607 ( b ) and 611 ( a ) FDCPA 1692g XXXX XXXX XXXX XXXX XXXX XXXX ( Account Variant XXXX ) Account Number : XXXX Violations Cited : FCRA 607 ( b ) and 611 ( a ) FDCPA 1692g Disputed Personal Information & Inquiries : Incorrect Name : The credit reports erroneously list XXXX XXXX instead of my correct name, XXXX XXXX XXXX XXXX 
Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX Disputed Inquiries : XXXX XXXX XXXX ( as noted in one letter ) / XXXX XXXX  ( as noted in another XXXX XXXX XXXX Legal Basis for Removal and Blocking : Under federal law, the credit bureaus are required to : Verify Disputed Information : Under FCRA 1681i, if proper verification is not provided within 30 days, the disputed account must be deleted.

Conduct a Reasonable Investigation : FCRA 611 ( a ) mandates a thorough investigation of all disputed items.

Maintain Reporting Accuracy : FCRA 607 ( b ) requires that all reported information be accurate and complete.


Provide Debt Validation : FDCPA 1692g requires creditors to furnish written validation ; failure to do so mandates removal.

Mark Disputed Items : FCRA 1681i ( a ) ( 6 ) ( B ) obligates credit bureaus to clearly mark items as disputed. 
Block Fraudulent Information : Identity theft protections under 18 U.S.C. 1028 and FCRA 605B require the blocking of accounts resulting from identity theft.