Product: Credit reporting or other personal consumer reports

Subject : Second Formal Complaint Regarding FCRA Violations, State Law Breaches, and Lack of Verifiable Debt Ownership by Experian, XXXX, and XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a second formal complaint regarding the ongoing inaccuracies, unverifiable debt reporting, and procedural violations committed by Experian, XXXX, and XXXX. Despite my initial request for investigation and correction, these credit bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) and relevant state laws. Their actions, or lack thereof, undermine consumer rights and the integrity of the credit reporting process. 

Failure to Verify and Investigate Experian, XXXX, and XXXX continue to report collection accounts from XXXXXXXX XXXX XXXX XXXX XXXX  without providing any legally verifiable proof of ownership or transfer of the alleged debts. Specifically : XXXX states they can not verify my identity, despite having my complete identifying information on file. If XXXX is unable to verify my identity, it raises serious questions about how they can report unverifiable information associated with my name. 
Experian and XXXX have not removed the disputed collection accounts nor provided documentation demonstrating that XXXX XXXX and XXXX XXXX have legal standing to report these debts. 
Their reliance on automated XXXX XXXX communications, rather than conducting thorough investigations with human oversight, violates both the spirit and the letter of the FCRA. 

Violations of FCRA Guidelines The actions of Experian, XXXX, and XXXX constitute clear violations of multiple sections of the FCRA, as follows : 1. 1681e ( b ) Compliance Procedures The FCRA mandates that credit bureaus follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of inaccurate and unverified accounts on my credit reports indicates that the bureaus have failed to meet this obligation.

2. 1681i Reinvestigation of Disputed Information Upon receiving a dispute, credit bureaus are required to conduct a reinvestigation to determine the accuracy of the information in question. This reinvestigation must involve contacting the furnisher of the disputed information and obtaining verifiable documentation. However : None of the bureaus has provided any legal documentation or proof of ownership of the debts from XXXX XXXX or XXXX XXXX. 
No evidence of a valid transfer or assignment of the debts has been furnished, as required under the FCRA.

3. 1681s-2 ( a ) Responsibilities of Furnishers of Information XXXX XXXX and XXXX XXXX have not supplied accurate or complete information regarding the disputed debts. As furnishers, they are required to ensure the accuracy and validity of the information they report to credit bureaus. Their failure to do so has resulted in erroneous reporting and violations of the FCRA. 

4. 1681c ( a ) Obsolete Information If the debts in question are beyond the statutory reporting period or otherwise lack sufficient documentation, their inclusion in my credit reports further violates the FCRA. 

Violations of Florida State Law The actions of Experian, XXXX, and XXXX also contravene Florida consumer protection laws, including : XXXX. Florida Statutes 559.72 Prohibited Practices This statute prohibits the reporting of false, inaccurate, or unverified information to consumer reporting agencies. The credit bureaus have continued to report disputed accounts without verifying their legitimacy, thereby violating this statute. 

2. Florida Statutes 559.77 Civil Remedies Under this section, consumers have the right to seek civil remedies for violations of the Florida Consumer Collection Practices Act ( XXXX ), including the recovery of attorneys fees and costs. 

Lack of Verifiable Proof of Debt Ownership or Transfer To date, neither XXXX Funding nor Portfolio Recovery has provided : Proof of Debt Ownership : Documentation demonstrating that they own the debts in question. 
Proof of Legal Transfer : Evidence of a legal and valid transfer of the debts from the original creditor to these entities. 
Validation of Debt : The required validation of the debts as mandated under federal and state laws. 
Without these critical pieces of evidence, the debts are legally unverifiable and should not appear on my credit reports. 

Additional Errors In addition to the above issues, my personal identifying information contains inaccuracies : Incorrect Date of Birth : My date of birth is incorrectly reported as XXXX instead of XXXX. Despite previous efforts to correct this error, it remains unresolved. 
Impact and Legal Implications The presence of inaccurate and unverifiable information on my credit reports has negatively impacted my financial standing, creditworthiness, and access to financial opportunities. The actions of Experian, XXXX, and XXXX, along with XXXX Funding and Portfolio Recovery, demonstrate willful noncompliance with both federal and state laws. 

If these issues are not resolved promptly, I will pursue legal action against all involved parties for their violations of the FCRA and Florida statutes. 

Requested Actions Immediate Deletion of Unverified Accounts : Remove all accounts from XXXX XXXX XXXX XXXX XXXX  due to lack of verifiable proof of ownership or transfer. 
Correction of Personal Information : Update my date of birth to reflect the correct year ( XXXX ). 

Detailed Explanation of Actions Taken : Provide a comprehensive explanation of the reinvestigation process and documentation obtained. 
Conclusion I trust the CFPB to uphold the rights of consumers and ensure that Experian, XXXX, and XXXX comply with federal and state laws. Please confirm receipt of this complaint and provide an update on the actions being taken to address these violations. 

Thank you for your attention to this urgent matter.