Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$6300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : tbom/milesto. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I am writing to formally dispute certain entries in my credit report under the Fair Credit Reporting Act ( FCRA ), particularly addressing the issues outlined in 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 USC 1681i ( a ) ( 5 ) ( B ).

1. **Challenge to 30-Day Response Time ( 15 USC 1681i ( a ) ( 1 ) ) ** : I request that you provide a response to my dispute within the 30-day timeframe mandated by federal law. It has come to my attention that this time frame may not have been adhered to in my case, and I require immediate clarification on this matter.

2. **Challenge to Investigation Protocol ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ) ** : Furthermore, I challenge the investigation protocols that have been employed in reviewing my dispute. I believe that the investigation did not adequately consider the information I provided, nor did it follow the procedures prescribed by law to ensure an accurate determination.

3. **Challenge to Reinsertion Protocols ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) ** : Lastly, I am concerned about the reinsertion protocols pertaining to any information that is found to be inaccurate or unverifiable. Should any information be reinstated, I expect to be notified in writing, with a detailed explanation and the appropriate documentation. 

Given the significance of these issues on my credit standing, I urge you to take prompt action to rectify these concerns. Please provide me with a written response detailing how each of these matters will be handled and the steps that will be taken to ensure compliance with the protections afforded by the FCRA. 

I appreciate your immediate attention to this important matter.

I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them '' CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. 
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