Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for FCRA Violations and Failure to Properly Investigate Dispute Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, in relation to my identity theft dispute. Despite providing Experian with an FTC Identity Theft Report, a police report, and all necessary identification documents, Experian has failed to conduct a reasonable reinvestigation and has allowed inaccurate and fraudulent information to remain on my credit report.

Experian 's FCRA Violations 1. Failure to Block Fraudulent Accounts as Required by FCRA 605B ( 15 U.S.C. 1681c-2 ) * I submitted all required documents, including an Identity Theft Report and police report, as mandated by law. 
* Experian failed to block fraudulent accounts within the required four-business-day timeframe, violating FCRA 605B ( c ) ( 2 ).

* This noncompliance has caused continued financial harm and emotional distress as fraudulent accounts negatively impact my creditworthiness.

2. Failure to Provide Adequate Verification as Required by FCRA 611 ( a ) ( 2 ) * Experian claims to have " verified '' the disputed items but has not provided any supporting documentation from the original creditors.

* Under FCRA 611 ( a ) ( 2 ), Experian must provide details on how the investigation was conducted, including the name and contact information of the furnisher of the disputed data. 
* Simply restating the furnishers response without actual verification from an original signed contract or detailed investigation is inadequate.

3. Reinsertion of Previously Deleted Fraudulent Accounts in Violation of FCRA 611 ( a ) ( 5 ) ( B ) * Experian has engaged in the unlawful reinsertion of previously deleted accounts without properly notifying me, as required by FCRA 611 ( a ) ( 5 ) ( B ) ( ii ).

* If an account is deleted and later reinserted, Experian must provide me with written notice within five business dayswhich they failed to do.

* This deceptive practice further proves Experians willful noncompliance with federal law. 
4. Failure to Conduct a Meaningful Reinvestigation ( FCRA 611 ( a ) ) * Experians response states that they contacted the furnishers, and the information was " verified as accurate. '' * However, they failed to disclose the method of verification, as required under FCRA 611 ( a ) ( 7 ).

* Courts have ruled that merely " parroting '' a furnishers response does not constitute a reasonable reinvestigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* Experians failure to conduct a bona fide investigation and verify information from original source documents constitutes gross negligence and willful noncompliance under FCRA 1681n.

Harm Caused by Experians Negligence Due to Experians failure to properly investigate and remove fraudulent accounts, I have experienced : * Denials of credit opportunities * Higher interest rates on financial products * Emotional distress and undue frustration * Damage to my financial reputation Requested Action from CFPB I request the Consumer Financial Protection Bureau ( CFPB ) take immediate action to : 1. Require Experian to permanently remove all fraudulent accounts and unauthorized inquiries, as mandated by FCRA 605B.

2. Compel Experian to provide full documentation of their investigation methods, including direct verification from the original creditors.

3. Investigate Experians deceptive practices regarding reinserted accounts and failure to conduct meaningful reinvestigations.

4. Impose monetary penalties on Experian for their willful FCRA violations and compensate me for damages incurred under FCRA 1681n.

If Experian fails to comply, I will explore further legal action for their continued noncompliance and deceptive practices.

I expect the CFPB to take swift action and hold Experian accountable for their repeated violations of federal law.

Sincerely, XXXX XXXX