Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) & Federal Trade Commission ( FTC ) Complaint Complainant : XXXX XXXX New Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Filed Against : Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXXXXXX XXXX Subject : EXPERIAN & XXXX SYSTEMIC FCRA VIOLATIONS, FABRICATED DISPUTE RESULTS, UNLICENSED COLLECTION ACTIVITIES, AND ILLEGAL CREDIT REPORTING PRACTICES To Whom It May Concern, I am submitting this complaint against Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXXXXXX XXXX for repeated Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Federal Trade Commission Act ( FTC Act ) violations. This complaint details fabricated dispute deletions, fraudulent reinvestigations, continued reporting of unverifiable accounts, and illegal debt collection practices by an unlicensed agency. 
Despite multiple disputes, Experian has engaged in deceptive business practices, including : Fabricating dispute deletions falsely indicating that accounts were removed when they were not. 
Conducting sham investigations using the XXXX automated system instead of performing independent, lawful reinvestigations. 
Failing to delete unverifiable accounts XXXX and XXXX accounts remain on my report despite being removed by XXXX and XXXX. 
Reinserting deleted accounts without written notice a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

1. Experians Fabricated Dispute Deletions & Systemic FCRA Violations Experian has falsely reported deletions of disputed accounts that were never removed from my credit report. This is a fraudulent and deceptive practice violating : FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Reinsertion of deleted items without consumer notice is illegal.

FCRA Section 1681n & 1681o Willful and negligent noncompliance entitles me to statutory damages of {$1000.00} per violation. 
CFPB XXXX XXXX XXXX. XXXX Experian has already been sued for systemic credit reporting fraud , proving this is an ongoing problem.

2. Experians Sham Investigations No Independent Verification of Accounts Experian continues to report fraudulent and inaccurate accounts from XXXX and PenFed despite other credit bureaus deleting them. This is clear evidence that Experian is : Blindly accepting creditor certifications instead of conducting independent investigations. 
Failing to verify negative reporting notifications creditors are required under FCRA Section 623 ( a ) ( 7 ) to notify consumers 30 days before reporting negative information.

Legal Violations : FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Requires Experian to conduct a meaningful reinvestigation.

FCRA Section 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Mandates credit bureaus to verify the accuracy of disputed information.

Legal Consequences : Each failure to conduct a proper reinvestigation is a separate FCRA violation.

Experian is liable for statutory damages under 15 U.S.C. 1681n. 
XXXX. XXXXXXXX XXXX  Unlawful Debt Collection Unlicensed Collection Agency ( XXXX XXXX ) XXXXXXXX XXXX  has illegally assigned XXXX XXXX XXXX XXXX to collect on my account, despite the agency being unlicensed to collect in my state. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and state licensing laws. 
Violations : FDCPA Section 807 ( 15 U.S.C. 1692e ( 5 ) ) Prohibits collection agencies from attempting to collect without a valid license.

FDCPA Section 808 ( 15 U.S.C. 1692f ( 1 ) ) Unlawful collection of debt through deceptive and unfair means.

FCRA Section 623 ( a ) ( 5 ) Creditors and debt collectors must remove any inaccurate or unverified accounts from all credit bureaus.

Any unlicensed collection attempt is considered fraudulent and unenforceable under state and federal law.

4. Demand for Immediate Action To avoid CFPB and FTC enforcement actions, I demand the following corrective actions : Experian must permanently delete the following disputed accounts from my credit report due to their failure to verify accuracy : XXXXXXXX XXXX ( Multiple Accounts ) XXXX XXXX XXXX XXXX ( XXXX  ) Any other accounts found to be unverifiable or fraudulent. 
Experian must provide documented proof that it has conducted independent investigations rather than relying solely on creditor certifications. 
Experian must issue a formal response confirming that it has discontinued the use of fabricated dispute results in my case. 
XXXXXXXX XXXX  must immediately cease collection efforts through XXXX XXXX XXXX XXXX and provide written proof that the debt is no longer being pursued by an unlicensed entity. 
All creditors and credit reporting agencies must update their records to reflect the removal of these disputed accounts across all bureaus ( Experian, Equifax, and TransUnion ).

5. Legal Consequences If No Immediate Resolution If Experian, XXXX, and PenFed fail to comply within XXXX business days, I will : XXXX. File a federal lawsuit seeking {$10000.00} in damages under FCRA Sections 1681n & 1681o for willful and negligent violations.

2. Submit a CFPB and FTC complaint to escalate regulatory action.

3. Expose Experians fraudulent practices publicly to warn other consumers. 
XXXX. Conclusion Final Warning Experian, XXXX, and PenFed must immediately comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Federal Trade Commission Act ( 15 U.S.C. 45 ). Failure to act within the specified timeframe will result in legal and regulatory action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX