Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Consumer Response Center po box XXXX XXXX, IA XXXX Re : Formal Complaint & Request for Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It XXXX Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the major credit reporting agencies ( XXXX, XXXX, TransUnion, XXXX, and XXXX ) for unlawful credit reporting, failure to validate disputed information, and potential violations of federal consumer protection laws. 

Despite multiple disputes, XXXX XXXX continues to report a charge-off with inaccurate, incomplete, or unverifiable information on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB guidelines on fair credit reporting. 

Violations & Grounds for XXXX XXXX. FCRA XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX. XXXX, credit furnishers must : Ensure all reported data is accurate and complete ( XXXX ( a ) ( XXXX ) ). 
Properly investigate disputes and provide documentation within 30 days ( XXXX ( b ) ). 
Cease reporting unverifiable, misleading, or erroneous data ( XXXX ( a ) ( XXXX ) ). 

XXXX XXXX has failed to validate this charge-off with legally sufficient documentation yet continues to report it. 

XXXX. FDCPA Violations Misleading & Unfair Collection Practices Under FDCPA XXXX XXXX. XXXX and XXXX, furnishers can not misrepresent a debt or engage in deceptive practices. 
XXXX XXXX continues to report a charge-off without providing proper validation. 
If this debt was settled, insured, or otherwise resolved, continuing to report it is deceptive and misleading. 

XXXX. XXXX XXXX XXXX ( XXXX ) Violations If my original agreement contained a mandatory arbitration clause, XXXX XXXX must comply. 
XXXX XXXX. XXXX : XXXX agreements must be enforced. 
XXXX XXXX. XXXX : If arbitration is pending, negative reporting must cease. 

If XXXX XXXX is violating arbitration agreements, I request CFPB intervention. 

XXXX. XXXX XXXX Federal Reserve XXXX XXXX XXXX XXXX XXXX If XXXX XXXX received Federal Reserve XXXX ( XXXX, XXXX, or Discount Window ) while still reporting charge-offs, this raises concerns of financial misconduct. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Abuse If XXXX XXXX collected on an insurance policy for this loan and still reports a charge-off, this is illegal double recovery, violating : FCRA XXXX ( a ) ( XXXX ) : Prohibits reporting debts paid through insurance. 
FDCPA XXXX ( XXXX ) : Prohibits attempting to collect a debt that has been settled or resolved. 

Requested Action by the CFPB I request the CFPB conduct an immediate investigation into : XXXX. XXXX FCUs failure to verify my dispute as required by the FCRA. 
XXXX. Potential FDCPA violations for reporting inaccurate or misleading information. 
XXXX. Possible financial misconduct related to federal relief funds and improper charge-offs. 
XXXX Credit bureaus compliance with their legal obligation to remove unverifiable information. 

Failure to Investigate Will Result in Further Legal Action If the CFPB does not act, I will : Escalate my complaint to the FTC, XXXX, and my State Attorney General. 
Initiate arbitration or litigation against XXXX XXXX for noncompliance. 

I request a formal response within 30 days confirming the CFPBs review of this matter. 

Sincerely, XXXX XXXX XXXX