Product: Credit reporting or other personal consumer reports

Experian Consumer Affairs XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX : CFPB Subject : Formal Rebuttal to Experians Denial of My FCRA 605C Request Dear Experian Consumer Affairs, I am writing to formally dispute your decision to deny my request to block adverse information from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ), as outlined in your letter dated XX/XX/year>. Your refusal to honor my request constitutes a direct violation of 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block adverse information related to XXXX XXXX when sufficient documentation is provided. 

The Account Name is XXXX XXXX XXXX XXXX XXXX  ) Violation of FCRA 605C ( 15 U.S.C. 1681c-2 ) XXXX. Failure to Accept a Self-Attestation Letter as Sufficient Documentation Under 15 U.S.C. 1681c-2 ( b ) ( 1 ) ( C ), a self-attestation letter signed by the victim, accompanied by a document signed by a governmental entity, court, authorized XXXX, or XXXX XXXX XXXX XXXXXXXX, is explicitly deemed valid documentation. 

Your denial letter fails to acknowledge that a self-attestation letter is legally sufficient when properly supported, as specified in the statute. If Experian has rejected my documentation without specifically addressing this requirement, it is in direct noncompliance with federal law. 

XXXX. Failure to Block Adverse Information Within the Required Timeline Under 15 U.S.C. 1681c-2 ( b ) ( 2 ), once Experian receives a complete request, it must block the specified information within four business days. Your letter does not confirm that you have complied with this legal requirement. 

XXXX. Failure to Provide a Specific Reason for Denial 15 U.S.C. 1681c-2 ( c ) ( 3 ) requires that if a consumer reporting agency deems a request incomplete or deficient, it must clearly specify the deficiencies and provide an opportunity to correct them. 

Your letter simply states that my documentation is not valid without citing which specific element was deficient or explaining how my documentation failed to meet the legal standard. This lack of transparency is a violation of federal law and denies me a fair opportunity to remedy any alleged issues. 
Formal Demand for Compliance I formally demand that Experian take the following corrective actions : XXXX. Immediate Blocking of the Adverse Information Experian must comply with 15 U.S.C. 1681c-2 ( b ) ( 2 ) and block the identified adverse information within four business days from the date of this letter. 

XXXX. Written Explanation of Any Alleged Deficiencies If Experian continues to deny my request, I demand a detailed written explanation citing the specific legal basis and evidence used to reject my documentation, as required under FCRA 605C ( c ) ( 3 ). 

XXXX. Notice of Formal Complaint Filing If Experian does not comply, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) ( https : //www.consumerfinance.gov/complaint/ ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office This letter serves as formal notice under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) that I am disputing Experians failure to comply with FCRA 605C. If corrective action is not taken within the legally required timeframe, I will pursue all available legal remedies.

I expect a response within four business days acknowledging receipt of this dispute and confirming compliance. 

Sincerely, XXXX XXXX