Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian and XXXX XXXX for Reporting Inaccuracies, Violations of Rights, and Mismanagement of Property Complaint Details : I am submitting this complaint against Experian XXXX XXXX and XXXX XXXX for the following issues : XXXX. Experian XXXX and XXXX Inaccurate Credit Reporting and Failure to Investigate Disputes : Inaccurate Charge-Off Reporting : Experian has reported multiple charge-offs, including one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or validation. Specifically, I have not received a 1099-C form for the alleged cancellation of debt from XXXX XXXX XXXX XXXX required by IRS regulations XXXX 
These charge-offs are being inaccurately reported as liabilities on my credit report, which is misleading and harmful. 
Despite disputing these entries, Experian has failed to investigate thoroughly or correct the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX XXXX XXXX Mortgage and Improper Reporting of Foreclosure : XXXX XXXX was the servicer of a mortgage for a property I purchased from XXXX XXXX XXXX XXXX in XX/XX/XXXX I conveyed the property to my irrevocable living trust in XX/XX/XXXX, After transferring the property, the following occurred : XXXX XXXX improperly revoked my deed issued by the XXXX XXXX including my signatures and Power of Attorney ( POA ), without authorization. 
Despite revoking their POA through their establishment and via XXXX form with XXXX IRS and security interest, XXXX XXXX listed my home for sale at half its value in XX/XX/XXXX claiming a foreclosure that never legally occurred. 
The Deed of Trust was never signed by no other party beside myself to authorize such a foreclosure. However, XXXX XXXX reported the foreclosure inaccurately, and this false information continues to appear on my credit report via Experian. XXXX and XXXX. 

XXXX. Experian XXXX and XXXX XXXX in Addressing Disputed Foreclosure Information : Experian XXXX and XXXX has failed to correct the foreclosure entry, which is false and damaging to my credit profile and reputation. 
I have repeatedly submitted disputes and requested validation, yet Experian XXXX and XXXX has neglected its obligation under the FCRA to investigate and maintain accurate credit reports. 

Violations : XXXX XXXX actions constitute a breach of trust, unauthorized revocation of legal documents, and fraudulent reporting of foreclosure. 
XXXX failure to investigate and correct inaccurate information violates the FCRA, harming my financial standing and creating undue hardship. 

XXXX Requested : I am requesting the following actions to resolve this issue : XXXX. For Experian XXXX and XXXX Remove all inaccurate, unverifiable, and misleading information from my credit report, including the charge-offs and foreclosure entries. 
XXXX a thorough investigation into these matters and provide validation for any claims that remain on my report. 
XXXX. For XXXX XXXX : Provide evidence of their right to revoke the deed, POA, and my signatures. 
Correct their foreclosure entry, as it is false and was never legally authorized. 
Compensate for the financial and emotional harm caused by their actions. 
XXXX. For XXXX XXXX XXXX XXXX : Provide a 1099-C form for the alleged charge-off or have the entry removed from my report entirely. 
4. General Relief : Compensation for damages caused to my credit profile, financial opportunities lost, and emotional distress due to negligence by both Experian and XXXX XXXX. 

Supporting Documentation : I have documentation to substantiate my claims, including correspondence with Experian and XXXX XXXX, as well as legal documents regarding the property and trust. I am prepared to provide these upon request. 

Conclusion : I request immediate investigation and resolution of these issues to restore the accuracy of my credit report and address the harm caused by the negligence and misconduct of Experian and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX