Product: Credit reporting or other personal consumer reports

I sent out letters to Experian, XXXX, XXXX asking that they update their records as they are hurting my credit worthiness and request that it be updated to the correct and accurate reporting to paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) 1700 G Street, NW Washington XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian, XXXX, and XXXX for FCRA Violations and Inaccurate Reporting of Late Payment Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against [ Credit Bureau Name ] regarding their failure to correct an inaccurate late payment on my credit report, despite my submission of sufficient documentation proving the account was paid in full and as agreed. This inaccuracy is a direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing unjust harm to my credit profile. 
On XXXX, I disputed the late payment entry reported on these accounts. In support of my dispute, I provided a written letter from Experian, XXXX, and XXXX confirming that my account was paid in full and that no late payment should have been reported. Despite this conclusive evidence, [ Credit Bureau Name ] failed to conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and has continued to report the erroneous late payment. 
Upon reviewing the recent legal action against Experian ( XXXX XXXX. XXXX, filed XX/XX/year> ), I have identified multiple violations of the FCRA that align with my experience : Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The credit bureau did not thoroughly reinvestigate my dispute or verify my provided evidence.

Failure to Provide Furnishers with All Relevant Information ( 15 U.S.C. 1681i ( a ) ( 2 ) ) My supporting documents were either ignored or not properly relayed to the furnisher.

Failure to Maintain Reasonable Procedures for Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) The continued reporting of false information demonstrates the bureau 's lack of proper procedures to ensure the accuracy of consumer files.

Failure to Notify Me of Proper Dispute Resolution ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The dispute outcome letter did not clearly state what actions were taken or whether the late payment was removed or verified.

The CFPBs recent complaint against Experian highlights systemic failures in handling disputes, including their reliance on furnishers ' responses without proper verification and their refusal to act on clear evidence provided by consumers. These same failures have directly affected me.

As a resolution, I request the following : Immediate removal of the inaccurate late payment from my credit report.

A formal response from [ Credit Bureau Name ] detailing the reinvestigation process and actions taken.

A penalty or enforcement action if the credit bureau is found in violation of the FCRA.

This continued inaccuracy has caused financial harm, including potential denial of credit and increased interest rates. I trust that the CFPB will take appropriate action to enforce the FCRA and protect consumers from unfair and negligent reporting practices.

Please confirm receipt of this complaint and inform me of any further actions needed. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX