Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE XXXX Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my XXXX credit report : Account Name : XXXX XXXX XXXX XXXX Disputed Issue : incorrect late payment, inaccurate balance, unverifiable account. 

Account XXXX : XXXX XXXX XXXX Disputed Issue : incorrect late payment, inaccurate balance, unverifiable account. 

Account XXXX : XXXX XXXX XXXX XXXX : incorrect late payment, inaccurate balance, unverifiable account. 

Account XXXX : XXXX, XXXX and XXXX XXXX XXXX : incorrect late payment, inaccurate balance, unverifiable account. 

Despite submitting evidence to support my dispute, XXXX failed to conduct a proper investigation. Specifically : 1. Sham Investigations : XXXX failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from XXXX was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that XXXX may have improperly reinserted information I previously disputed and believed to be corrected. 

XXXX actions appear to violate the following : XXXX XXXX XXXX XXXX XXXX XXXX Failure to conduct reasonable investigations of disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

Heres what I need you to do : XXXX. Reinvestigate the Disputed Information : XXXX a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
XXXX. Remove Inaccurate or Unverifiable Information : If XXXX or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
XXXX. Provide XXXX XXXX : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
XXXX. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 

If XXXX can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and XXXX. 

I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX