Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of FCRA Violation and Request for Compliance Dear XXXX XXXX XXXX, Thank you for your response regarding my CFPB complaint. However, I must highlight that your refusal to disclose the methods and evidence used to verify the disputed accounts appears to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Basis for Violation : 1. Failure to Disclose Verification Details ( 15 U.S.C. 1681i ) : The FCRA explicitly requires data furnishers to investigate disputes and, upon request, provide detailed information regarding the verification of disputed accounts. Your statement that you can not share specific details regarding the investigation directly conflicts with this requirement. As a consumer, I have the right to know how the disputed account was verified, including : Documentation or evidence used to confirm the account.

Logs or records of access, including IP addresses, timestamps, or geolocation data.

A detailed explanation of the verification process.

2. Obligation to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) : I have provided sufficient evidence of identity theft, including an FTC Identity Theft Report and a police report. If XXXX can not conclusively prove the legitimacy of this account, you are obligated to request removal of the tradeline from all credit bureaus. 

Request for Action : To resolve this matter, I am formally requesting the following : 1. Disclosure of Verification Details : Provide the evidence and methods used to verify the disputed accounts, as required by the FCRA. This includes any documents, contracts, or logs related to account creation and usage.

2. Correction of Inaccurate Reporting : If XXXX can not verify the account with sufficient evidence, you must immediately contact Experian to request the removal of this tradeline. 
3. Confirmation of Compliance : Confirm your compliance with the FCRA and provide a timeline for completing the above actions. 

If XXXX does not comply with my request within 30 days, I will escalate this matter further. This includes filing an updated complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal remedies for non-compliance with the FCRA. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX Dear XXXX XXXX XXXX, Thank you for your response regarding my CFPB complaint. While I appreciate your communication, I must express my continued dissatisfaction with the outcome of your investigation and your handling of this matter. 
1. Verification of Personal Information : While XXXX asserts that my personal information, including multifactor authentication via phone and email, was verified, this does not conclusively prove that I personally opened or authorized these accounts. Identity theft often involves sophisticated methods of bypassing security measures, and your investigation should account for the possibility of unauthorized access despite these verifications. 
2. Disputed Transactions and Reporting : While you claim that no new activity has been reported post-closure, the presence of historical activity on my Experian report contradicts my claim that this account is fraudulent. Under the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the accuracy of an account as fraudulent and provides supporting documentation ( e.g., FTC Identity Theft Report and police report ), the data furnisher is required to block the information or provide detailed verification of its legitimacy. The removal of this tradeline by XXXX and XXXX reinforces my assertion that this account is not legitimate and should not be reported. 
3. Request for Further Action : I respectfully reiterate my request that XXXX contact Experian to request the removal of this tradeline based on the evidence provided. 
If XXXX maintains that the account is legitimate, I demand full disclosure of the specific evidence you used to verify the account, including logs, IP addresses, and timestamps related to its creation and any transactions. 
4. Commitment to Resolution : While I understand your position, your refusal to take further action leaves me no choice but to escalate the matter. I will pursue additional remedies through the CFPB, the Federal Trade Commission ( FTC ), and legal avenues to ensure my rights under the FCRA are upheld. 

Thank you for your attention to this matter. Please confirm receipt of this email and provide the requested information promptly. 

Sincerely, XXXX XXXX XXXX