Product: Credit reporting or other personal consumer reports

Subject : Credit Report Dispute Errors on My Credit Reports Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported on my credit file by XXXX, XXXX, and Experian. Under the Fair Credit Reporting Act ( FCRA ) and other applicable U.S. laws, I am entitled to have errors investigated and corrected or permanently removed. These protections ensure fairness, accuracy, and transparency for all consumers. 

Despite my repeated attempts to resolve these issues directly with the credit bureaus, their responses have been inadequate, and inaccuracies remain on my reports. I also recently became aware of the CFPB lawsuit against Experian for sham investigations of credit report errors. My experiences align with the claims made in this lawsuit. I am requesting your help to investigate and resolve these matters.

Details of Disputed Items 1. XXXX XXXX XXXX Issue : Discrepancies in payment history across credit bureaus : XXXX  : Reflects 2 late payments ( 30 and 60 days ).

XXXX  : Reflect

s 1 late payment ( 30 days ). Experian : Reflects 4 late payments ( including 90 days ). Legal Basis for Deletion : 15 USC 1666b Timely payments not properly credited. 15 USC 1637 ( b ) Mandates accurate billing disclosures. 15 USC 1681i Consumer right to dispu
te inaccuracies.

2. XXXX XXXX XXXX  ( Account Ending in XXXX  ) Issue : Charge-off balance discrepancies : XXXX  : {$220.00} past due.

Experian : {$0.00} past due.

Legal Basis for Deletion : 15 USC 1666b Inaccurate reporting of outstanding debts.

15 USC 1681e ( b ) Duty to maintain maximum possible accuracy.

3. XXXX XXXX ( Account Ending in XXXX ) Issue : Inconsistent reporting of payment history and charge-offs : XXXX/Experian : Reflect multiple late payments and charge-offs.

XXXX  : Missing or incomplete details.

Legal Basis for Deletion : 1099-C Charge-offs require proper debt cancellation reporting.

15 USC 1681s-2 Furnisher obligations to report accurately.

4. Dept of Education/XXXX ( Student Loan Account ) Issue : Incorrect reporting of a balance increase : Between XX/XX/XXXX, and XX/XX/XXXX, my account balance increased by {$6.00}, from {$2100.00} to {$2100.00}, without proper documentation or explanation.

Legal Basis for Deletion : 15 USC 1666b Requires timely and accurate billing.

15 USC 1681i Right to dispute inaccurate or unverifiable information.

15 USC 1681s-2 Furnisher obligations to report accurate account details.

5. XXXX XXXX ( Account Ending in XXXX ) Issue : Open account status with inconsistent balance reporting : Experian : Reflects an open installment account with {$55.00} balance.

XXXX : No record provided.

Legal Basis for Deletion : 15 USC 1681c-2 Protects against unauthorized accounts or errors.

Additional Negative Items and Legal References for Deletion Inquiries : 15 USC 1681b ( 2 ) Requires written consumer authorization.

15 USC 1681 ( q ) Prohibits unauthorized use of consumer reports.

Collections : 12 CFR 1006.34C Accurate validation notice requirements.

15 USC 1681i Right to dispute invalid collections.

Repossession : UCC 9 Part 6 Governs secured transactions and consumer rights.

Bankruptcy : 15 USC 1681c-2 Prohibits inclusion of unauthorized bankruptcy filings.

Requested Action I request that the CFPB investigate the following : 1. Whether XXXX XXXX, and Experian failed to comply with the FCRA and other applicable laws.

2. Whether Experian is engaging in the same practices outlined in the CFPBs lawsuit against them.

3. Require all credit bureaus and furnishers to verify or permanently delete the disputed information.

If errors or violations are confirmed, I expect immediate deletion or correction of the disputed items.

Thank you for your attention to this matter. Please let me know if additional information is needed to assist in your investigation. 

Sincerely, XXXX XXXX XXXX