Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear CFPB, I am writing to file a formal dispute under 15 U.S.C. 1681o, concerning civil liability for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been violated due to the negligent actions of Experian, XXXX XXXX XXXX. resulting in inaccurate or incomplete information on my credit report. 

Background of the Issue : On XX/XX/XXXXXXXX  I discovered new inaccuracies on my credit report, which include incorrect account balances, accounts not belonging to me, or outdated information. 
These inaccuracies have adversely affected my creditworthiness, causing me and my family denial of credit, stress not able to obtain loans and of course emotional distress. 

I have also found incorrect addresses that I never had which I also have to correct. 
Many Charge offs I was unaware of. 

Details of Negligent Noncompliance : Experian, XXXX XXXX XXXX failed to meet the required standards for accuracy and diligence as stipulated under the FCRA. Specifically : Failure to Maintain Reasonable Procedures : The agency did not implement or follow reasonable procedures to ensure the maximum possible accuracy of the information reported about me. 

Failure to Investigate and Correct Errors : Despite my previous disputes submitted between XX/XX/XXXX until now XX/XX/XXXX the agency failed to conduct a reasonable reinvestigation or correct the errors as required by 15 U.S.C. 1681i. I have not only disputed electronically but also on the phone. Promised follow ups that were never returned. 

Negligent Reporting Practices : By providing and maintaining incorrect information, Experian, XXXX XXXX XXXX acted negligently and caused harm to my financial standing. 

Requested Resolution : To resolve this matter, I respectfully request the following : A thorough reinvestigation of the inaccuracies listed in my credit report, including all supporting evidence provided. 

Immediate correction or deletion of all inaccurate information. 

Written confirmation of the resolution and an updated credit report reflecting the corrections. 

Compensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o. 

Supporting Documents : I have attached the following documents to support my dispute : I have attached some of the most recent collections that have shown up recently that are not mine from XXXX, XXXX and Experian. I separated it by XXXX PDF files. 

Please consider this letter a formal complaint. I expect a response within the timeframe outlined by the FCRA. Failure to comply with the necessary standards may result in further legal action. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably and efficiently. Please contact me at your earliest convenience should you require further information. 

Sincerely, XXXX XXXX