Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute incorrect charges, unauthorized transactions, and/or other related concerns incurred by several companies including but not limited to, XXXX, XXXX, Experian, XXXX, etc. This dispute concerns negligence and non-compliance, which is in direct violation of U.S. code 1681o Title 15, in regards to Civil liability, and with the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ), resulting in inconsiderable hardship, over expenditure and irreparable damage to my credit, character and financial future. 

The details of my dispute are as follows : Entity Involved : XXXX XXXX XXXX XXXX [ Experian, XXXX, XXXX ] Account/Reference Number : Experian Account Number : XXXX Date of Incident : XX/XX/XXXX Description of Non-Compliance and Negligence : This matter has been resolved directly with XXXX XXXX XXXX XXXX, as the insurance policy on my account ensures that reimbursement of the amount owed will be handled over a XXXX month period, while the card holder is unable to work or seeking employment. 
The last report was made by the company back in XX/XX/XXXX, while the last payment made was XX/XX/XXXX of XXXX. 

Despite my previous attempts to resolve this matter directly with Experian, XXXX and XXXX, I have not received a satisfactory response or corrective action. The failure to comply with federal regulations and the neglect of consumer rights have resulted in undue hardship, including but not limited to financial anguish and irreparable damage to my credit and character. I request the removal of this issue immediately. 


Entity ( XXXX ) Involved : XXXX XXXX [ Experian, XXXX, XXXX ] ] Account/Reference Number : Experian Account Number : XXXX Date of Incident : XX/XX/XXXX Description of Non-Compliance and Negligence : The loan in dispute was paid out to an account that was closed. In attempts to have the funding sent to the right account I was told, it couldn't be done and was being charged weekly payments, on top of incurring late payments for said amount that was never received. 

Despite my previous attempts to resolve this matter directly with XXXX XXXX, as well as Experian, XXXX and XXXX, I have not received a satisfactory response or corrective action. The failure to comply with federal regulations and the neglect of consumer rights have resulted in undue hardship, including but not limited to financial anguish and irreparable damage to my credit and character. I request the removal of this issue immediately. 


Entity ( XXXX ) Involved : XXXX XXXXXXXX XXXX  XXXX [ Experian, XXXX, XXXX ] ] Account/Reference Number : Experian Account Number : XXXX Date of Incident : XX/XX/XXXX Description of Non-Compliance and Negligence : This issue was resolved directly with XXXX XXXX XXXX XXXXXXXX XXXX as the amount was paid in full and then closed, with no further action taken, back in XXXX of XXXX. 

Despite my previous attempts to resolve this matter directly with Experian, XXXX and XXXX, I have not received a satisfactory response or corrective action. The failure to comply with federal regulations and the neglect of consumer rights have resulted in undue hardship, including but not limited to financial anguish and irreparable damage to my credit and character. I request the removal of this issue immediately. 

I have spent thousands in attempts to rectify my families positioning and well-being, to yet have it displaced by the foul practices of a few, such as XXXX XXXX XXXX XXXX, Experian, etc. Please review this dispute promptly, as continued negligence and non-compliance may necessitate further legal action. I appreciate your immediate attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX