Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding XXXX XXXX Noncompliance with FCRA and Mishandling of Dispute To : Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX Date : XX/XX/2024 Dear CFPB Representative, I am filing this complaint against XXXX XXXX  XXXX XXXX their repeated violations of the Fair Credit Reporting Act ( FCRA ) and failure to appropriately handle my dispute regarding a fraudulent account. XXXX XXXX  response demonstrates their inability to validate the debt, failure to address identity theft documentation, and continued reporting of unverifiable information to credit bureaus. 

Key Issues and Violations 1. Violation of FCRA 605B Failure to Address Identity Theft Documentation I submitted an FTC Identity Theft Report ( # XXXX ), a notarized Identity Theft Affidavit, and a Police Report ( Case No. XXXX ), all of which provide legally sufficient evidence of identity theft. 
XXXX XXXX  failed to block the fraudulent account as required under FCRA 605B, which mandates that a consumers disputed information must be blocked when adequate evidence of identity theft is provided.

2. Violation of FCRA 611 Inadequate Investigation of Dispute XXXX XXXX  provided incomplete and unverified documentation as part of their debt validation process, which includes : A loan agreement without my legal name ( XXXX XXXX XXXX ) or a matching signature. 
Activity statements containing incorrect addresses and contact information that do not correspond to my records. 
No verifiable link between me and the disputed account. 
FCRA 611 ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation, and XXXX XXXX  failure to provide evidence linking me to this account demonstrates a lack of compliance. 

3. Violation of FCRA 623 Furnishing Inaccurate Information XXXX Bank continues to report this fraudulent account to credit reporting agencies, despite : The absence of proof that I authorized or created this account. 
XXXX determination that this account was unverifiable and subsequent removal from my credit file. 
This constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits the furnishing of information known to be inaccurate.

4. Failure to Comply with Metro 2 Standards XXXX XXXX  reporting contains discrepancies in personal information ( e.g., variations of my name, incorrect addresses ) that violate Metro 2 compliance standards, which require accurate and consistent reporting of consumer data.

5. Lack of Arbitration Clause Disclosure XXXX XXXX  loan agreement does not include a copy of any arbitration clause, raising questions about their compliance with legal standards for debt disputes. 

XXXX. Negligent and Willful Noncompliance ( FCRA 616 and 617 ) By failing to properly investigate my dispute, ignoring evidence of identity theft, and continuing to report unverifiable information, XXXX XXXX has acted negligently and willfully in violation of my rights under the FCRA. 

Evidence Provided 1. FTC Identity Theft Report ( Report # XXXX ) 2. Notarized Identity Theft Affidavit 3. Police Report ( Case No. XXXX ) 4. Correspondence from XXXX confirming removal of the account. 
5. Loan Activity Statement provided by XXXX XXXX, showing incorrect personal information. 
6. Loan Agreement provided by XXXX XXXX, lacking my legal name or signature. 

Requested Actions 1. Immediate Deletion of the Account : XXXX XXXX  must cease reporting this unverifiable account to all credit reporting agencies ( Experian, XXXX, XXXX ). 
2. Full Validation Disclosure : XXXX XXXX  must provide : Evidence of a signed contract or authorization linking me to the account. 
A complete breakdown of the debt amount and payment history. 
Documentation of their investigation process, including all sources consulted during the dispute. 
3. Investigation by the CFPB : I request that the CFPB investigate XXXX XXXX handling of disputes, particularly their failure to comply with FCRA 605B and 611.

4. Compensation for Damages : XXXX XXXX  negligence and willful noncompliance have caused harm to my creditworthiness and financial standing. I request that XXXX XXXX  be held accountable for damages under FCRA 616 and 617.

Conclusion XXXX XXXX  has demonstrated a disregard for my rights under the FCRA and failed to handle my dispute with the care and diligence required by law. I trust the CFPB will take the necessary actions to hold XXXX XXXX  accountable and protect consumers from similar violations in the future. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX