Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute Regarding Incorrect Reporting of Collection Accounts and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of collection accounts on my credit report and to request that an immediate investigation be initiated. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking a prompt resolution. Experian violates my rights as a consumer, as well as federal laws. Below are the details of my dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After my dispute, this account was removed from my credit report as it was found to be inaccurate. However, I have discovered that this same account has been re-added to my credit file by Experian without proper verification or substantiation. This re-reporting violates my rights under the FCRA, as the account was previously removed after a successful dispute. 
Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. I demand that this account be permanently removed from my credit report, as it was previously verified as an error, and I have not been provided any new or substantiated evidence to suggest otherwise. 

XXXX. XXXX XXXX XXXX ( XXXX : {$390.00} ) I disputed a XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( balance of {$390.00} ) on my credit report. Upon dispute, I received confirmation that the debt was paid in full and should have been marked as a paid collection. Despite this, the account continues to be reported as an outstanding debt. This is a direct violation of the FCRA, which requires that credit reports reflect accurate information. I request that the XXXX XXXX collection account be removed from my credit report, as it is a paid collection and no longer reflects an outstanding debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The collection account, associated with XXXX XXXX XXXXXXXX XXXX, does not reflect accurate information, as it is not accurately reported. The balance of XXXX is incorrect. 
I have disputed this account multiple times, but Experian has failed to accurately update my credit report. 

4. Request for Review and Removal of All Inaccurate Collection Accounts I further request that the CFPB assist in ensuring that all collection accounts on my credit report are reviewed and disputed as necessary. I have reason to believe there may be other inaccuracies in my credit file, and I request that a full investigation be conducted to ensure my credit report is free of errors, especially with regard to collections that are no longer valid or that have been inaccurately reported. 

XXXX. Experian 's Failure to Accurately Report Disputes Additionally, I want to bring attention to the fact that Experian has not complied with its obligation to accurately report my credit file following my disputes. The issues described above, including the re-reporting of the XXXX XXXX account, highlight Experian 's failure to adhere to the FCRA and ensure that only accurate information is reflected on my credit report. I request that the CFPB take appropriate action to hold Experian accountable for its failure to accurately update my credit report after my disputes. 

I ask that you initiate an investigation into these matters in accordance with the Fair Credit Reporting Act. If it is found that the information being reported is inaccurate or unverifiable, I expect it to be removed from my credit report immediately. I also request that all necessary action be taken to correct any other inaccuracies across all credit reporting agencies. 

Please confirm receipt of this letter and inform me of the actions you will be taking to resolve these issues. I expect a written response within the statutory timeframe as required by law ( usually 30 days ). If these matters are not promptly addressed, I will consider pursuing additional legal remedies to ensure compliance with the FCRA. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt resolution of this complaint. 

Sincerely, XXXX XXXX XX/XX/XXXX [ Last four Social Security Number ( XXXX ) ]