Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) during the handling of my repeated disputes about inaccurate information on my credit report. Below, I outline the details of the issue, the steps I have taken, and how Experians actions ( or lack thereof ) have negatively impacted me. 
XXXX. Summary of the Issue I have disputed an account listed as XXXXXXXX multiple times with Experian due to inaccurate reporting of late payments. Despite my repeated disputes, Experian continues to verify the account without conducting a proper investigation or providing evidence of verification. 
On [ insert date of your most recent call ], I spoke with Experian over the phone. During the call, Experian contacted XXXX directly while I was on the line, resulting in an update to the account that had not been touched for over three months. This raises serious concerns about how Experian was verifying the account during prior disputes if no updates were made for such an extended period.

2. Violations of the Fair Credit Reporting Act ( FCRA ) Based on these facts, I believe Experian has violated several provisions of the FCRA, including : 1. Failure to Conduct a Reasonable Investigation : Experian verified the disputed account multiple times without updating the account or contacting NR/SMS/CAL until my most recent phone call.

This suggests that Experian did not take the necessary steps to conduct a proper investigation as required under the FCRA.

2. Failure to Provide Proof of Verification : Experian has failed to provide documentation or an explanation of how the account was verified during previous disputes.

3. Harmful Reporting Practices : The delay in updating the account and failure to remove inaccurate late payment entries have caused my credit score to drop by XXXX points after the recent update. 
XXXX. Impact on Me The inaccurate reporting and Experians failure to address my disputes have caused the following : A significant drop in my FICO score, limiting my ability to secure loans or favorable credit terms.

Emotional distress from repeatedly disputing this account without resolution.

Financial harm due to delays in resolving this matter.

4. Resolution Requested I request that the CFPB : 1. Investigate Experians handling of my disputes and their failure to conduct proper investigations.

2. Require Experian to provide evidence of how the account was previously verified.

3. Instruct Experian to remove the inaccurate account from my credit report if they can not verify its accuracy.

4. Hold Experian accountable for any FCRA violations, including penalties for non-compliance.

5. Supporting Documentation I have attached the following documents to support my complaint : Copies of my previous dispute letters to Experian. 
A timeline of my communications with Experian. 
A recent credit report showing the inaccurate account ( XXXX ) and its impact on my FICO score. 
Notes from my recent call with Experian, where they contacted XXXX to update the account. 
I trust that the CFPB will address this matter promptly and ensure Experian complies with their obligations under the FCRA. Thank you for your attention to this issue. 
Sincerely, XXXX XXXX XXXX