Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations and Persistent Inaccurate Reporting Dear CFPB Representative, I am filing this formal complaint on behalf of my client, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and repeated violations of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has demonstrated a blatant disregard for its obligations under FCRA Section 623 ( a ) ( 7 ), by inaccurately reporting a 30-day late payment for XXXX XXXX on her consumer credit report. Furthermore, XXXX failed to provide the legally mandated notice of this negative reporting, compounding their violations. 

XXXX XXXX XXXX mishandling of this matter has gone beyond negligenceit borders on recklessness. Despite XXXX having already found the reported information inaccurate and removing it, XXXX continues to report this erroneous information to other credit reporting agencies. This amounts to willful noncompliance with their duties as a data furnisher, and their refusal to address the situation constitutes an egregious abuse of consumer trust. 

Additionally, XXXX is currently embroiled in a major lawsuit for operational and compliance failures, which speaks to a broader systemic issue in their governance. Their inability to adhere to FCRA requirements in this instance highlights a troubling pattern of misconduct and disregard for legal standards. 

Violations Identified 1. Failure to Provide Notice : XXXX XXXX XXXX failed to notify XXXX, as required under FCRA Section 623 ( a ) ( 7 ), that negative information had been furnished to credit reporting agencies within 30 days. 
XXXX. Inaccurate Reporting : XXXX continues to report the XX/XX/2021 late payment, despite documented evidence disproving its validity. This is a violation of their duty to report fair and accurate information. 
XXXX. Willful Noncompliance with FCRA : Even after XXXX removal of this false information, XXXX has persisted in disseminating this inaccurate data, which demonstrates a deliberate indifference to the harm caused. 
XXXX. Negligence in Investigation and Remediation : Despite Tashas repeated disputes, including an FTC Identity Theft Report and accompanying documentation, XXXX has failed to conduct a reasonable investigation or correct the error. 

Impact on XXXX XXXX XXXX XXXX misconduct has inflicted substantial harm on XXXX financial well-being and peace of mind. The false late payment has : Damaged her credit score, impeding her ability to secure loans or favorable terms. 
Caused emotional distress due to the ongoing battle to correct XXXX inaccuracies. 
Created a cascade of financial burdens that are directly attributable to XXXX negligence. 

Resolution Requested 1. Immediate removal of the XX/XX/2021 late payment from all credit reporting agencies still showing it. 
XXXX. A formal apology to XXXX for their failure to uphold their responsibilities and the damage caused. 
XXXX. An investigation into XXXX XXXX XXXX systemic failures, with enforcement actions to ensure compliance with the FCRA moving forward. 
XXXX. Appropriate penalties for XXXX ongoing inaccurate reporting and willful FCRA violations. 

XXXX XXXX XXXX has acted in good faith, providing all necessary documentation and making every effort to resolve this matter amicably. XXXX behavior is an unacceptable breach of their duties under federal law, and I urge the CFPB to take swift and decisive action.