Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX, Experian, and XXXX for Reporting Inaccurate Information and Violating the Fair Credit Reporting Act ( FCRA ) To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Against : XXXX, Experian, and XXXX -- XXXX Introduction I am submitting this updated formal complaint against XXXX, Experian, and XXXX for their repeated violations of the Fair Credit Reporting Act ( FCRA ). These credit bureaus have reported inaccurate, misleading, and harmful information on my credit reports. The ongoing reporting errors, inconsistencies, and outdated information are causing significant harm to my financial stability, creditworthiness, and reputation. 

The following violations and errors must be investigated and addressed immediately. 


-- - Accounts in Question and Errors Identified XXXX. XXXX XXXX ( Account XXXX. XXXX ) ** Reported solely by XXXX XXXX " Refinanced, '' with a " Status Mismatch, '' which creates confusion regarding the true standing of this account. 

The account was closed on XX/XX/XXXX, and the balance is {$0.00} ; however, the status mismatch remains unresolved. 

Experian and XXXX fail to report this account, leaving incomplete credit information across all bureaus. 



XXXX. XXXX XXXX ( Account XXXX. XXXX ) ** Reported solely by XXXX XXXX marked as " Late 120 Days, '' without substantiated evidence. 

Balance discrepancies : XXXX reports a balance of {$470.00} with a {$0.00} limit, but no transactions justify the listed status. 


Payment discrepancies : The last payment is listed as {$0.00} with a date of XX/XX/XXXX, making the late payment reporting inaccurate. 




XXXX. XXXX XXXX XXXX  ( Account XXXX. XXXX ) ** XXXX and XXXX report inconsistent balances : XXXX XXXX {$9000.00} remaining from {$10000.00}. 

XXXX : {$8900.00} remaining from {$10000.00}. 


Experian fails to report this account altogether. 



XXXX. XXXX XXXX XXXX XXXX ( Account XXXX. XXXX ) ** Utilization exceeds 100 %, reported at 103 %, which is inaccurate and misleading. 

Discrepancies in reporting payments and balances across bureaus : XXXX and XXXX report a balance of {$12000.00} with a {$12000.00} limit. 

Experian fails to report this account entirely. 




XXXX. XXXX XXXX ( Account XXXX. XXXX ) ** This account is marked as " Paid '' and " Closed, '' but XXXX XXXX a {$1300.00} limit while XXXX XXXX a {$0.00} limit. 

Experian fails to report this account entirely, creating a reporting inconsistency. 



XXXX. XXXX XXXX ( Account XXXX. XXXX ) ** XXXX XXXX a {$0.00} balance with a {$33000.00} limit, but Experian and XXXX fail to report this account entirely, omitting critical financial information. 



XXXX. XXXX XXXX ( Account XXXX. XXXX ) ** Reported as " Late 90 Days '' with discrepancies in balances : XXXX XXXX {$25000.00}. 

Experian and XXXX : {$25000.00}. 




XXXX. Address Errors Correct Address : XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, Experian, and XXXX continue to report an outdated address, XXXX XXXX, XXXX, TN XXXX, causing miscommunication and further inaccuracies. 





-- - Violations Committed by the Credit Bureaus 1. Violation of 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy The credit bureaus have failed to ensure the accuracy of the reported information, including address discrepancies, status mismatches, and unjustified derogatory marks.

2. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation Despite formal disputes and notifications, the credit bureaus have failed to investigate or correct the inaccuracies on my credit reports.

3. Violation of 15 U.S.C. 1681s-2 ( b ) Duties of Furnishers of Information By allowing furnishers to report inaccurate and outdated information, the credit bureaus have enabled the violation of their duties under federal law. 



XXXX. Violation of 15 U.S.C. 1681c ( a ) ( 4 ) Reporting of Obsolete Information Derogatory marks on closed and paid accounts, such as XXXX XXXX and XXXX XXXX are misleading and obsolete. 



XXXX. Failure to Properly Update Credit Files ( 15 U.S.C. 1681i ( a ) ( 5 ) ) The credit bureaus have failed to update or delete inaccurate information, including outdated addresses and incorrect account statuses, despite being notified of these errors. 



XXXX. Defamation and Harm to Credit Reputation By publishing false and outdated information, the credit bureaus have defamed my creditworthiness, resulting in financial harm and denial of credit opportunities. 



XXXX. Failure to Report Data Consistently Across Bureaus The account data for XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  is inconsistent across XXXX, Experian, and XXXX. 



XXXX. Negligence in Address Updates TXXXX and others have failed to update my current address, XXXX XXXX XXXX, XXXX, TN XXXX, and continue to report an outdated address. 



XXXX. Failure to Notify Creditors of Disputes ( 15 U.S.C. 1681i ( a ) ( 2 ) ) The credit bureaus have failed to notify creditors that these accounts are disputed, violating federal requirements and further damaging my financial stability. 





-- - Impact of the Violations These violations have resulted in a significant drop in my credit scores, making it challenging to access loans, credit, or favorable interest rates. 

The inaccuracies in reporting, such as address errors and mismatched account statuses, have created confusion for creditors, damaging my financial reputation. 

The continued reporting of derogatory marks on paid and closed accounts has caused both financial and emotional distress. 



-- - Requested Action I request the CFPB to investigate the repeated violations committed by XXXX, Experian, and XXXX and enforce the appropriate penalties under the FCRA. These inaccuracies must be corrected immediately to prevent further harm. 


-- - Conclusion The actions of these credit bureaus demonstrate a failure to uphold their obligations under federal law. I urge the CFPB to take swift action to ensure compliance, accountability, and the correction of my credit reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX