Product: Credit reporting or other personal consumer reports

Dear Experian I am submitting this formal dispute regarding multiple fraudulent and inaccurate reporting violations on my credit report. Specifically, these issues involve : 1. The unauthorized reporting of collection accounts by XXXX XXXX XXXX, which I never authorized to be reported. 

XXXX. The unlawful reporting of past due balances on collection accounts, which is prohibited under federal law. 

XXXX. The wrongful inclusion of collection accounts in my monthly payment history, which should not be reported in this manner. 

Despite multiple requests for documentation, neither XXXX XXXX XXXX nor the credit bureau has provided sufficient proof to validate these debts. This failure to comply with federal consumer protection laws constitutes negligence and potential fraud. 

Fraudulent Reporting of Unauthorized Collection Accounts The following accounts, reported by XXXX XXXX XXXX, appear on my credit report without my authorization : Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$580.00} o Date Opened : XX/XX/XXXX o Account Number : XXXX o Status : Debt Buyer Original Creditor : CREDIT XXXX XXXX XXXX XXXX XXXX : {$1600.00} o Date Opened : XX/XX/XXXX o Account Number : XXXX o Status : Collection account, showing {$1600.00} past due as of XX/XX/XXXX These accounts were reported without my authorization, violating : FCRA 15 U.S.C. 1681b : Credit bureaus are only allowed to furnish consumer information for permissible purposes.

FDCPA 15 U.S.C. 1692e ( 8 ) : Debt collectors are prohibited from reporting false or misleading credit information. 

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers must ensure accuracy when reporting consumer debts.

18 U.S.C. 1001 : Knowingly providing false information to a credit bureau is fraud. 
Illegal Reporting of Past Due Balances on Collection Accounts Once a debt is transferred to a collection agency, it should not continue to show a past due balance. However, XXXX XXXX XXXX is incorrectly reporting these collection accounts as past due, violating : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Data furnishers must not report inaccurate information.

FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits misrepresenting the character, amount, or legal status of a debt.

FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain procedures to ensure maximum possible accuracy. 

Unlawful Reporting of Collection Accounts in My Monthly Payment History These collection accounts are being wrongfully included in my monthly payment history, which misleads lenders into believing I am missing payments. This practice violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report misleading payment history.

FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure consumer reports are not misleading.

FDCPA 15 U.S.C. 1692e ( 10 ) : Prohibits deceptive practices in debt collection. 
Failure to Provide Supporting Documentation I have previously contacted XXXX XXXX XXXX multiple times, requesting documentation to validate these debts. They have failed to provide proof, violating : FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate and correct disputed accounts.

FDCPA 15 U.S.C. 1692g ( b ) : If a consumer disputes a debt, the debt collector must cease collection efforts until they provide validation.

Formal Request for Immediate Action Because this dispute remains unresolved, I demand the following actions be taken immediately : 1. A full reinvestigation under 15 U.S.C. 1681i, including documentation proving how these accounts were verified.

2. Immediate removal of all inaccurate and unauthorized collection accounts, including those : o Reported without proper validation.

o Incorrectly marked as past due. 
o Wrongfully included in my monthly payment history. 

XXXX. Copies of all documents used to verify this debt, including contracts, agreements, and any communication between the credit bureau and XXXX XXXX XXXX. 

Due to the continued failure to address these violations and correct the inaccurate reporting, I have escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. If this matter is not resolved promptly, I am prepared to pursue legal action for fraudulent reporting, negligence, and damages resulting from the ongoing misreporting of my credit information. 

Sincerely, XXXX XXXX