Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Failure to XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint against Experian for their failure to properly reinvestigate and correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). 

Previously, I submitted a dispute regarding the inaccurate reporting of the XXXX XXXX account ( Account Number : XXXX ). Despite clear evidence of multiple inaccuracies, Experian responded that the account is XXXX % accurate and refused to remove or correct the information. This failure to properly investigate and correct my report constitutes multiple violations of the FCRA and is causing undue harm to my credit profile. 

FCRA Violations Supporting Immediate Removal XXXX. Failure to Conduct a Proper Reinvestigation Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a reasonable reinvestigation of disputed information. 
Given the clear evidence of errors, Experian has failed to meet this standard and instead upheld inaccurate reporting without proper verification. 
XXXX. Duty to Maintain Accuracy Violation of FCRA 1681e ( b ) Consumer reporting agencies must ensure maximum possible accuracy of the information they report. 
The false charge-off balance, credit utilization over 100 %, and possible re-aging of my account prove Experian has failed to uphold this requirement. 
XXXX. Failure to Delete Unverified Information Violation of FCRA 1681i ( a ) ( 5 ) ( A ) If a credit bureau can not fully verify the accuracy of disputed information, it must delete the information from the consumers report. 
Experian failed to provide sufficient verification yet continued to report inaccurate data, violating this legal requirement. 
XXXX. Illegal Re-Aging of the Account Violation of FCRA 1681c ( a ) The charge-off occurred in XX/XX/XXXX, yet Experian reports the account as past due for XX/XX/XXXX. 
This constitutes re-aging, a serious violation of FCRA, which prohibits extending the reporting period beyond the legal time limits. 
XXXX. Failure to Provide Proper Verification Method Violation of FCRA 1681i ( a ) ( 6 ) Upon completion of a reinvestigation, Experian must disclose the method used to verify the disputed information. 
I was not provided with any meaningful verification, further proving Experians failure to comply with FCRA requirements. 

Summary of Inaccuracies in My Dispute XXXX. Inaccurate Charge-Off Balance & Past Due Amount My report states a {$800.00} charge-off and past due balance as of XX/XX/XXXX, despite the account being closed in XX/XX/XXXX. 
This is factually impossible, as future-dated balances violate XXXX XXXX XXXX standards and FCRA XXXX ( b ). 
XXXX. Incorrect Credit Utilization Over XXXX  % The reported credit limit is {$500.00}, yet the balance is {$800.00}, resulting in XXXX  % utilization. 
This is an inaccurate reflection of my credit profile, negatively impacting my score in violation of XXXX XXXX compliance rules. 
XXXX. Illegal Re-Aging of the Account The charge-off occurred in XX/XX/XXXX, yet Experian falsely reports the balance as past due in XX/XX/XXXX. 
Re-aging is a violation of FCRA 1681c ( a ) and Metro 2 guidelines, which prohibit extending the reporting period beyond legal limits. 

Requested Action by the CFPB Given Experians failure to comply with FCRA regulations, I request the CFPB to : XXXX. Investigate XXXX failure to properly reinvestigate and correct these inaccuracies. 
XXXX. Mandate the immediate deletion of the XXXX XXXX account from my credit report due to unverifiable and inaccurate reporting. 
XXXX. Ensure Experian complies with XXXX XXXX guidelines and federal law in future credit reporting. 
XXXX. Hold Experian accountable for its continued FCRA violations and failure to maintain accuracy. 

XXXX refusal to correct these errors is damaging my creditworthiness and violating my consumer rights under federal law. I request a prompt review of this matter and appropriate enforcement action against Experian. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX