Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX SUBJECT : FORMAL COMPLAINT REGARDING CREDIT REPORTING ERRORS, WILLFUL NON-COMPLIANCE, INCONSISTENT REPORTING, and REQUEST for MONETARY DAMAGES TO : CONSUMER FINANCIAL PROTECTION BUREAU **NOTICE OF WARNING AGAINST ANY DELAY IN PROCESSING BY EXPERIAN & XXXX I am aware of the Credit Reporting Agencies ' recent attempts to delay the processing of many consumer disputes and challenges by responding that you " received an unusual or suspicious request '' allegedly based on your belief that some consumers are working with a third-party such as a credit repair company. Let me assure you that I am aware that any delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. However, you have no grounds for claiming any insight whatsoever into my level of training, or education on topics such as consumer protection laws or requisite reporting standards, so let me plainly and clearly state now that any letters you receive from me are created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 168li, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute and lists out the exceptions. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist, or in your arbitrary opinion that any consumer 's lawfully written letter seems in any way " suspicious '', thus ANY DELAY will be considered willful disregard of my rights as a consumer and will be a violation of the FCRA subject to monetary damages. Please be advised that all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you even in the event that a consumer is working with a third-party or representative, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 

**DUE TO THE RECENT LAWSUIT FILED AGAINST EXPERIAN XXXX XX/XX/XXXX, I INSIST YOU CONDUCT AND INVESTIGATION AS YOU ARE REQUIRED BY THE FCRA LAW. I WILL EXPLICITLY SAY DO NOT ACCEPT THE FINDINGS OF THE FURNISHERS WHO DO NOT PROVIDE THOROUGH RESULTS OF THEIR INVESTIGATIONS. WHICH I ASK THAT YOU PROVIDE TO ME IN THE EXACT DETAIL VIA MAIL AND NOT THROUGH YOUR ONLINE PORTAL PLEASE DELETE THE DISPUTED INFORMATION WITHIN THE REQUIRED TIMELINE EXCEPT FORTH BY THE FCRA WHICH IS THE FEDERAL LAW. ** I am submitting this complaint regarding a credit reporting issue involving EQUIFAX and EXPERIAN, as well as XXXX XXXX XXXX. 

SUBJECT : DISPUTE of INACCURATE REPORTING on XXXX XXXX XXXX ACCOUNT # XXXX with the INTENT OF WILLFUL NON-COMPLIANCE BY THE FCRA XXXX. 

I am writing to formally dispute inaccuracies in the reporting of my XXXX XXXX XXXX ACCOUNT. SPECIFICALLY, there are SEVERAL DISREGARDED DISCREPANCIES THAT REGARD IMMEDIATE INVESTIGATION and CORRECTION : 1. The account was CHARGED-OFF in XX/XX/XXXX, YET PAYMENTS are REPORTED as being MADE in XXXX. However, THESE PAYMENTS DO NOT APPEAR IN the PAYMENT HISTORY, NOR ARE THEY REFLECTED as DEDUCTIONS FROM the ACCOUNT BALANCE. This is INCONSISTENT and VIOLATES the Fair Credit Reporting Act ( FCRA ), as CREDIT REPORTS MUST BE ACCURATE and TRANSPARENT. 


2. A PAYMENT is REPORTED for XX/XX/XXXX, BUT the PAYMENT HISTORY for THAT MONTH is BLANK, SHOWING NO DETAILS ABOUT THE PAYMENT. 


3. An " OK '' PAYMENT is MARKED in XX/XX/XXXX, DESPITE this BEING the FIRST REPORTED MONTH OF DELINQUENCY. THIS DIRECTLY CONTRADICTS the REPORTING of XXXX AS THE FIRST DATE OF DELINQUENCY. 

4. IF PAYMENTS WERE INDEED MADE AFTER the CHARGE-OFF DATE, AS THE REPORT SUGGESTS, the BALANCE SHOULD HAVE BEEN REDUCED ACCORDINGLY. However, there is NO INDICATION that these PAYMENTS WERE APPLIED TO THE BALANCE. This CREATES a MISLEADING and INCOMPLETE RECORD OF THE ACCOUNT 'S STATUS. 

THESE REPORTING ERRORS NOT ONLY CONTRADICT the accounts HISTORY but ALSO NEGATIVELY IMPACT my XXXX XXXX and ABILITY to OBTAIN FINANCIAL SERVICES. They VIOLATE MY RIGHTS UNDER the FCRA and RAISE CONCERNS ABOUT the ACCURACY OF the DATA BEING REPORTED. 

REQUEST FOR ACTION : 1. Conduct a THOROUGH INVESTIGATION into the reporting of this account, including : VERIFICATION of the EXACT CHARGE-OFF DATE.

**CLARIFICATION of WHY PAYMENTS are REPORTED BUT NOT REFLECTED IN the PAYMENT HISTORY OR THE BALANCE.

2. REMOVE any inaccurate or incomplete payment reports.

3. PROVIDE a detailed and corrected record of the account.

4. SEND ME an updated copy of my credit report after corrections.

5. Furthermore {$XXXX} MONETARY RELIEF PAYMENT FROM EACH BUREAU AND the CREDITOR for the DAMAGES and HARM they HAVE CAUSED ME. 


I EXPECT a FULL INVESTIGATION and a response within XXXX  days, as required by law. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX