Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Against Experian, XXXX, and XXXX for Improper Reporting and Violations of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by Experian, XXXX, and XXXX in XXXX with inaccurate, improper, and deceptive reporting practices. Specifically : XXXX. Experian XXXX XXXX XXXX : Experian has improperly allowed the re-reporting of the XXXX XXXX account, despite the account being previously removed. Under FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ), no information that has been deleted from a consumer report may be reinserted without strict adherence to procedural safeguards, including providing me written notice of such reinsertion within five business days. I have not received any such notice. 
XXXX failure to follow these legal requirements demonstrates a lack of adherence to proper reinvestigation and re-reporting practices. I am requesting that Experian immediately provide : A statement of certification of accuracy to justify the reinsertion of the XXXX XXXX account. 
Evidence that proper notice of the reinsertion was provided to me, as required by law. 
If these can not be provided, the account must be immediately and permanently removed from my report. 
Improper Reinvestigations of XXXX XXXX XXXX and XXXX XXXX XXXX : Both accounts have been long removed from my XXXX and XXXX credit reports, but Experian continues to inaccurately report and verify these accounts. XXXX failure to properly investigate and ensure accuracy violates FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which mandates that consumer reporting agencies conduct reasonable reinvestigations of disputes. 
Furthermore, Experian has demonstrated negligence in handling disputes, as evidenced by its history of improper reinvestigation practices outlined in recent Consumer Financial Protection Bureau ( CFPB ) actions. These failures result in significant harm to my creditworthiness and are in direct violation of federal law. 
I am requesting the immediate deletion of these accounts from my Experian credit report due to XXXX failure to comply with FCRA standards. 
XXXX. XXXX and XXXX XXXX XXXX XXXX : XXXX and XXXX bear a grave responsibility to ensure the accuracy, fairness, and impartiality of consumer reports. However, they continue to report the XXXX XXXX account despite its history of inaccuracies and deletion by Experian. I demand : Documentation of all investigations conducted regarding this account. 
A full explanation of the basis for continuing to report this account, despite prior disputes. 
The ongoing reporting of this account without proper verification is deceptive and can be construed as fraudulent. If XXXX and XXXX can not provide sufficient evidence of compliance with FCRA ( XXXX XXXX. XXXX ( b ) ), which requires maximum possible accuracy, this account must be immediately removed from my credit reports. 

Deceptive and Fraudulent Practices These actions by Experian, XXXX, and XXXX demonstrate clear violations of federal law and deceptive intent. Experians failure to adhere to reinsertion protocols, coupled with improper reinvestigations of XXXX XXXX XXXX and XXXX XXXX XXXX, highlights a systemic failure to uphold XXXX responsibilities. Similarly, XXXX and XXXX ongoing reporting of the XXXX XXXX account without proper verification constitutes deceptive and harmful practices that unfairly damage my creditworthiness. 

I would also like to bring to your attention the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for its systemic failure to properly investigate consumer disputes. The CFPB has alleged that Experian has violated the Fair Credit Reporting Act ( FCRA ) in the following ways : XXXX. Sham Investigations of XXXX Disputes : Experian routinely conducts faulty dispute investigations by failing to accurately intake and convey relevant information to furnishers. 
The CFPB alleges that Experian uncritically accepts responses from furnishers, even when they are improbable or illogical. 
XXXX. Improper Reinsertions of Deleted Information : Experian has been accused of reinserting previously deleted tradelines without ensuring they match the original information or providing consumers with the legally required notice of reinsertion within XXXX business days. 
XXXX. Failure to XXXX XXXX Dispute Resolution Procedures : Experian has demonstrated a pattern of failing to notify consumers of investigation results or provide meaningful resolutions to disputes. 

Given this documented pattern of misconduct, I believe that I am a victim of the very practices outlined in the CFPBs lawsuit. My disputes involving XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have been mishandled in the following ways : The Consumer Santander account was improperly reinserted into my credit report without any notice, violating FCRA protocols on reinsertion. 
Experian failed to properly investigate disputes regarding XXXX XXXX XXXX and XXXX XXXX XXXX, which remain inaccurately reported on my Experian report despite being removed by XXXX and XXXX. 

These actions mirror the systemic issues described in the CFPBs lawsuit and have directly harmed my creditworthiness. XXXX negligence in ensuring accuracy and compliance with FCRA requirements further underscores why these accounts must be removed immediately. 



Requested Actions Given the violations outlined above, I respectfully demand the following actions : XXXX. Removal of the XXXX XXXX account from all credit reports due to improper reinsertion and inaccurate reporting. 
XXXX. Immediate deletion of XXXX XXXX XXXX and XXXX XXXX XXXX accounts from my Experian credit report due to improper reinvestigations. 
XXXX. Full documentation from Experian, XXXX, and XXXX, including : A statement of certification of accuracy for the XXXX XXXX account. 
Evidence of proper reinvestigation procedures for XXXX XXXX XXXX and XXXX XXXX XXXX. 
Proof of compliance with FCRA notice requirements regarding negative reporting and reinsertion. 

Failure to take immediate corrective actions will leave me no choice but to escalate this matter through legal channels and seek damages for the harm caused to my creditworthiness. 

Thank you for your immediate attention to these serious matters. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX