Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian FCRA Violations & Erroneous Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for its repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Their failure to accurately report my credit history and properly investigate disputes has caused severe financial harm, including a XXXX drop in my credit score, the addition of a 60-day late payment, and a false forbearance notation on my credit file. 

Additionally, when I attempted to dispute these inaccuracies, Experian failed to investigate my claim properly and instead mailed me a letter stating that they received a request regarding my credit information that did not appear to have been sent directly or authorized by me. This response is unacceptable and violates my rights under the FCRA, as I correctly submitted my dispute with necessary identifying information. 
I have attached the letter Experian mailed me, confirming their failure to process my dispute properly. 
________________________________________ Summary of the Issue 1. XX/XX/XXXX Late Payment Reported in Error o On XX/XX/XXXX, I spoke with a XXXX XXXX  XXXX representative, who assured me that enrolling in a payment freeze and structured payment plan due to Hurricane XXXX  would not negatively affect my credit. 
On XX/XX/XXXX, another XXXX representative formally enrolled me in the agreement covering XXXX, XXXX, and XXXX. 
I fully complied with the agreement and made all the required payments. 
o Despite this, XXXX XXXX XXXX falsely reported a late payment for XX/XX/XXXX, which caused a XXXX drop in my credit score. 
XXXX. XX/XX/XXXX Experian Reports a 60-Day Late Payment & Incorrect Forbearance Status o On XX/XX/XXXX, Experian falsely XXXX a 60-day late payment on my mortgage account. 
o Experian also added a note stating that my mortgage account is in forbearancethis is false, as I was enrolled in a payment freeze and structured plan, not forbearance. 
o This false reporting is damaging my credit and misleading potential lenders. 
3. Experian Failed to Investigate My Dispute Properly o After disputing these errors, Experian responded by mailing me a letter stating that they received a recent request regarding my credit information that did not appear to have been sent directly or authorized by me. 
o This failure to process my dispute violates the FCRA and demonstrates gross negligence in Experians reporting and investigation process. 
________________________________________ Violations Committed FCRA Violation # 1 : Failure to Accurately Report Payment History Under 15 U.S.C. 1681s-2 ( a ), Experian is legally required to ensure the accuracy of the information it reports. The false reporting of late payments and forbearance status clearly violates this provision.

FCRA Violation # 2 : Failure to Investigate & Correct Errors Under 15 U.S.C. 1681i, Experian is required to investigate and correct inaccurate information within 30 days of a dispute. Instead, Experian failed to conduct an investigation and falsely claimed my dispute request was not sent or authorized by me.

FCRA Violation # 3 : Reporting a False Forbearance Status Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. The false designation of my mortgage as in forbearance is a misrepresentation that could prevent me from obtaining future credit or refinancing my mortgage.

FCRA Violation # 4 : Willful and Negligent Noncompliance Under 15 U.S.C. 1681n & 1681o, Experian may be liable for willful or negligent noncompliance with the FCRA. Their failure to properly process my dispute and correct these errors demonstrates apparent negligence.

________________________________________ Impact of the False Reporting XXXX drop in my credit score.

Potential credit denials due to false 60-day late payment.

Misclassification my mortgage as in forbearance may impact my ability to refinance or obtain new credit.

Experians failure to investigate my dispute prevents me from correcting these errors. 
________________________________________ Requested Actions for Immediate Resolution To remedy this matter, I am requesting the following actions : An immediate investigation into Experians repeated violations of the FCRA. 
XXXX removal of BOTH erroneous late payments XXXX correction of my account status to REMOVE the false forbearance notation. 
A thorough review of XXXX dispute processing procedures to ensure compliance with the FCRA. 
Written confirmation once my credit report has been corrected. 
Appropriate penalties against Experian for its reckless disregard of the law. 
________________________________________ Supporting Documentation While the FCRA does not require additional documentation for complaints, I have attached : The letter Experian mailed me, falsely claiming that my dispute request did not appear to have been sent or authorized by me. 
________________________________________ Legal Warning and Next Steps If this matter is not resolved within 30 days, I will take the following actions : Filing a lawsuit against Experian under XXXX XXXX. XXXX for willful noncompliance with the FCRA. 
Seeking monetary damages for harm caused by their false reporting and refusal to correct errors. 
Requesting assistance from the Federal Reserve XXXX and HUD, which regulate mortgage lenders. 

I expect a written acknowledgment of my complaint and an update on your investigation as soon as possible. Thank you for your immediate attention to this matter.