Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this complaint regarding ongoing violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian and XXXX. Despite my previous disputes submitted on XX/XX/year>, and XX/XX/year>, regarding inaccuracies in the reporting of my XXXX XXXX account, no corrective action has been taken. The failure to validate, investigate, or correct the inaccuracies demonstrates a clear violation of federally mandated consumer protection laws. 


Reasons for Complaint : Violation of the FCRA : Investigation Requirements ( 15 U.S.C. 1681i ) : Both Experian and XXXX failed to conduct a reasonable investigation as required by the FCRA. No adequate description of the investigation process or proof of verification has been provided for the disputed XXXX XXXX account. 
Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The reporting of this account does not meet permissible purposes outlined in the FCRA due to inaccuracies and unverifiable information. 
Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate information violates my privacy rights. Proper procedures for handling sensitive consumer data were not followed. 
Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received a detailed explanation of the steps taken during the investigation or the evidence used to validate the accuracy of this account.

Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I invoke these provisions to demand proof of verification or immediate deletion of the XXXX XXXX account due to non-compliance with federal law. 
Violation of the TILA : Disclosure Requirements : Experian and XXXX failed to provide accurate and timely disclosures regarding the status of this account, violating my rights under the Truth in Lending Act. 
Inaccurate Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Discrepancies Across Bureaus : XXXX XXXX Account Status : Paid High Credit : {$XXXX} Payment Status : Collection/Chargeoff Last Reported : XX/XX/year> Comments : Payment after charge-off/collection ; dispute resolved; reported by XXXX. 
Experian : Account Status : Paid High Credit : {$XXXX} Payment Status : Collection/Chargeoff Last Reported : XX/XX/year> Comments : Payment after charge-off/collection ; account was in dispute - now resolved ; reported by subscriber. 
Evidence of Errors : Discrepancies in Account Details : High credit amounts reported inconsistently ( {$XXXX} by XXXX and {$XXXX} by Experian ). 
Past due amounts and charge-off status have not been substantiated with documentation. 
Continued reporting of " payment after charge-off/collection '' lacks proper verification. 
Failure to Validate : No validation documentation has been provided to support the paid status or charge-off after XXXX prior disputes. 
Failure to address inconsistencies violates the FCRA 's requirement for accurate reporting. 
Federal Consumer Protections Violated : Title 15, Chapter 41 : The continued failure to validate or correct this account indicates a violation of federal consumer protection laws.

Public Law 91-506, Title VI, Section 611 ( Subsections A-D ) : The procedures for removing inaccurate or incomplete information from credit reports were not followed. 
Immediate Action Requested : Delete the XXXX  XXXX Account Immediately : Account Number : XXXX Provide a detailed description of the investigation process, along with all evidence used to verify the accuracy of this account. 
Failure to comply with this request will result in further escalation, including potential legal action for continued violations of the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX