Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into the procedures employed by the major credit reporting agenciesTransUnion, XXXX, and Experianregarding the accuracy of information reported on my credit file. I am concerned about certain inaccuracies that I have identified and the subsequent failure of these agencies to provide adequate responses and documentation, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Background Recently, I submitted complaints to XXXX, XXXX, and Experian regarding incorrect information reported on my credit reports. Despite my efforts to address these inaccuracies, I have not received satisfactory responses or valid proof of the claims made by these agencies. Most importantly, I have repeatedly requested to review the " Procedures of Accuracy '' that these agencies claim to use to verify the information in my reports. Thus far, I have not received any meaningful information or documentation in response to my requests. 

Violations of the Fair Credit Reporting Act ( FCRA ) The FCRA outlines specific responsibilities for credit reporting agencies, including the requirement to ensure maximum possible accuracy of the information they report. Below are specific violations of the FCRA that I believe warrant your investigation : 1. Section 607 ( b ) - Reasonable Procedures : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. I have doubts that XXXX, XXXX, and Experian have adhered to this requirement in my case, as the inaccuracies I reported have not been corrected nor explained. 

2. Section 611 - Procedure in Case of Disputed Accuracy : Upon receiving my dispute, these agencies are mandated to conduct a reasonable investigation of my claims within 30 days. I submitted my dispute to all three agencies, but they have failed to provide the required investigation results or documentation supporting the accuracy of the reported information. Their lack of response is a clear violation of this section.

3. Failure to Validate Debts : When I identified the inaccuracies, I requested that the agencies provide validation of the debts and the procedures they used to verify the informations accuracy. Under the FCRA, they are obligated to provide this information and their failure to do so represents another violation of my consumer rights.

4. Section 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers of Information : Any entity that provides information to consumer reporting agencies must ensure the accuracy of that information. If the information provided is found to be inaccurate, the furnishers have a duty to correct it. I am concerned that the agencies are not holding these furnishers accountable for the inaccurate reporting. 

XXXX. Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a broader failure to protect consumer rights as mandated by the FCRA. 

Request for Action Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough investigation into the practices of XXXX, XXXX, and Experian regarding how they handle inaccuracies and disputes. Furthermore, I urge your office to compel these agencies to provide their " Procedures of Accuracy '' and ensure they are compliant with the FCRA requirements. 

As a consumer, I have the right to accurate credit reporting, and the current situation jeopardizes my financial health and fundamental rights. I appreciate your attention to this matter and look forward to your timely response. 



I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atINQUIRY, XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY, INQUIRY, INQUIRY and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

INQUIRY - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 

XXXX XXXX  Filters XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$5900.00} {$0.00} {$5900.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$5900.00} {$5900.00} {$5900.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Bank Credit Cards Bank Credit Cards Bank Credit Cards Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$5900.00} {$5900.00} {$5900.00} Account Type Flexible spending credit card Credit Card Payment Frequency Credit Limit {$5000.00} {$5000.00} {$0.00} XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$3000.00} {$0.00} {$3000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$3000.00} {$3000.00} {$3000.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Bank Credit Cards Bank Credit Cards National Credit Card Companies Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$2100.00} {$2100.00} {$2100.00} Account Type Credit Card Credit Card XXXX XXXX XXXX XXXX {$3000.00} {$3000.00} {$0.00} XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$33000.00} {$33000.00} {$32000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$20000.00} {$20000.00} {$20000.00} Closed Date -- -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Auto Financing Personal Loan Companies Auto Financing Account Status Open Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 72 Month ( s ) 72 Month ( s ) -- Past Due Amount {$20000.00} {$20000.00} {$20000.00} Account Type Auto Loan Auto Loan Auto Loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$12000.00} {$12000.00} {$12000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$0.00} {$0.00} {$0.00} Closed Date XX/XX/XXXX -- -- Account Rating Paid Paid Paid Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Miscellaneous Finance Auto Financing Personal Loan Companies Account Status Closed Closed Closed Payment Status Current Current Current Creditor Remarks Paid by insurance Paid through insurance. 
Closed or paid account/zero balance Auto Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 60 Month ( s ) 60 Month ( s ) -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Auto Loan Auto Loan Auto Loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00}