Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against the three major credit reporting agencies : Experian, XXXX, and XXXX. These agencies have failed to correct inaccurate information on my credit reports, despite being notified multiple times of these discrepancies. This complaint is specifically related to information provided by XXXX, which includes significant inaccuracies and incorrect personal information. 

Background Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Disputed Issues : Incorrect spelling of my last name ( reported as " XXXX '' instead of " XXXX '' ) False late payment records for XXXX  Other inaccuracies in account information Timeline of Events : Initial Dispute with Credit Reporting Agencies : On XX/XX/2024, I sent dispute letters to Experian, XXXX, and XXXX regarding the inaccuracies on my credit reports. 
Follow-Up Correspondence : On XX/XX/2024, I sent additional letters to each credit reporting agency, including a copy of my ID and detailed information regarding the dispute. 
Response from XXXX : On XX/XX/2024, I received a response from XXXX requesting additional information, despite having already provided all necessary documentation. The response also incorrectly addressed me as " XXXX XXXX, '' highlighting further negligence. 
Failure of Credit Reporting Agencies to Act : Despite my efforts and the clear evidence provided, Experian, XXXX, and XXXX have failed to correct the inaccuracies on my credit reports within the legally required 30-day period. 
Current Status : Experian, XXXX, and XXXX have not conducted a proper investigation or corrected the inaccuracies reported by XXXX. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates a prompt and thorough investigation of disputed information.

Violations of FCRA : The continued failure to address these inaccuracies despite multiple notifications and clear evidence provided constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The following specific violations have occurred : Failure to conduct a reasonable investigation of disputed information within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ).

Failure to correct or delete inaccurate, incomplete, or unverifiable information as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Persistent reporting of incorrect personal information ( incorrectly spelling my name ) despite being notified of the error.

Request for CFPB Intervention : I am requesting the Consumer Financial Protection Bureau to intervene in this matter. Specifically, I seek the following actions : An investigation into the non-compliance of Experian, XXXX, and XXXX with the FCRA. 
Immediate correction of all inaccuracies in my credit reports, including the proper spelling of my name and any other erroneous information.

Assurance that such negligence will not recur, potentially affecting other consumers. 
I have attached copies of all correspondence with the credit reporting agencies and XXXX, including my dispute letters, their responses, and supporting documentation. I trust that the CFPB will take appropriate action to ensure that my rights are protected and that the credit reporting agencies comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX