Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against Experian, XXXX, and XXXX for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation Z ( Truth in Lending Act TILA ). These violations pertain to improper credit reporting, debt collection practices, and failure to follow legally required procedures when handling disputes.

CFPB Lawsuit Against Experian and XXXX I am aware that the CFPB has recently sued Experian and XXXX for failing to properly investigate consumer complaints, reinserting inaccurate information into consumer credit reports, and failing to reinvestigate disputes as required by law. This lawsuit further highlights the systemic failures of these credit reporting agencies, which directly relate to my current complaint.

Given this ongoing legal action, I urge the CFPB to investigate my specific case as part of its broader enforcement efforts against these agencies. The repeated disregard for consumer rights and failure to comply with federal laws must be addressed.

Violations Identified Failure to Provide Proper Notice and Consent FDCPA Violations ( 15 U.S. Code 1692 ) I never gave direct consent for communication regarding this debt.

I never received notice of the debt within the required timeframe under the FDCPA.

The company never provided a letter assuming the debt to be mine.

Under 15 U.S.C. 1692g, a debt collector must provide written notice of a debt within five days of initial communication. Failure to provide this notice violates my consumer rights under the FDCPA.

Misrepresentation of Charge-Offs Regulation Z Violation ( 15 U.S. Code 1601, Regulation Z ) The handling and reporting of charge-offs on my credit report do not comply with federal regulations.

Charge-offs must be reported accurately and can not be reinserted into my report without proper notification.

This violates Regulation Z of the Truth in Lending Act ( TILA ), which requires that consumers receive accurate and fair disclosure of terms relating to credit transactions.

Failure to Investigate and Reinvestigate FCRA Violations Experian, XXXX, and XXXX failed to conduct proper investigations into disputes. 
Accounts have been reinserted into my credit report without the required notification.

These actions violate the FCRA ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies properly investigate and notify consumers of any changes to their credit files.

Additional Violation 12 CFR 313.7 ( Privacy Violation ) The involved companies have failed to comply with consumer privacy regulations outlined in 12 CFR 313.7, which mandates clear and accurate disclosure requirements regarding debt collection and credit reporting.

Companies and Accounts in Violation Below is a list of the companies appearing on my credit reports under XXXX, XXXX, and Experian that are in violation : 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 XXXX XXXX XXXX XXXX XXXX  Requested Resolution Immediate removal of all misreported, unverified, or improperly handled accounts from my credit reports.

A full investigation into these violations and enforcement of compliance with the FDCPA, FCRA, and Regulation Z.

Written confirmation of the corrections made within 30 days, as required by law.

Given the CFPBs ongoing lawsuit against Experian and XXXX, I respectfully request that my complaint be handled with urgency. These credit bureaus have shown a repeated pattern of failure to investigate consumer disputes properly, and I should not be subject to further harm due to their negligence.

These violations are causing harm to my credit standing and financial well-being. If this matter is not resolved, I will pursue further legal action and report these companies to the appropriate regulatory bodies.

Thank you for your time and attention to this matter. I look forward to your prompt response.