Product: Credit reporting or other personal consumer reports

ORIGINAL CFPB COMPLAINT ID # XXXX Subject : Final Request for Clarification and Legal Compliance Regarding Credit File and Bankruptcy Reporting To Whom It May Concern, I have received your response indicating that you are unable to locate my credit file. However, this claim is both contradictory and unsubstantiated, given that you are actively reporting a new account as of XX/XX/XXXX. Your failure to address this inconsistency, along with my specific concerns regarding the reporting of inaccurate bankruptcy information, reflects an unprofessional and inadequate investigation in violation of your obligations under federal law. 

Your actionsor lack thereofviolate the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable and thorough reinvestigation of disputed information. Your generic and dismissive response fails to meet this standard.

15 U.S.C. 1681e ( b ) : As a credit reporting agency, you are required to ensure the accuracy of the information you report. Reporting unverifiable or inaccurate bankruptcy information breaches this duty.

2. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) This act prohibits the disclosure of personal financial information without proper consent or justification. Reporting unverifiable bankruptcy information constitutes improper disclosure of my private data.

3. Federal Rules of Bankruptcy Procedure ( Rule 9037 ) Protects sensitive personal information in bankruptcy filings. Your reporting of inaccurate bankruptcy information that can not be verified violates these protections. 




Your actions also disregard established case law, which outlines your legal responsibility to ensure the accuracy of credit reporting and to conduct a thorough investigation of disputes : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies must go beyond merely relying on data furnishers and conduct an independent investigation if inaccuracies are identified. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reinforces that credit reporting agencies are liable under the FCRA for failing to ensure the accuracy of information. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Highlights your obligation to verify disputed information and comply with the FCRA. 


Given the above, I am making one final attempt to resolve this issue amicably. I demand : 1. A detailed explanation of your method of investigation, including how you verified the bankruptcy information.

2. Documentation supporting your claim of investigating and verifying the disputed information.

3. Clarification on how you can report new account activity while simultaneously claiming my credit file is unlocatable. 



Failure to provide a satisfactory response within 15 days will leave me no choice but to seek immediate legal relief to enforce my rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act, Federal Rules of Bankruptcy Procedure, and other applicable laws. 

This letter serves as my final notice before initiating legal action. I urge you to address these violations promptly to avoid further escalation. 

Sincerely, XXXX XXXX XXXX XXXX