Product: Credit reporting or other personal consumer reports

Subject : Updated Complaint Against XXXX XXXX, XXXX, Experian, and XXXX for FCRA Violations and Failure to Properly Investigate Disputed Information. 

I, XXXX XXXX, am filing this updated complaint against XXXX XXXX, XXXX, Experian, and XXXX regarding their handling of my debt dispute and potential violations of the Fair Credit Reporting Act ( FCRA ). This complaint follows my previous filing on XX/XX/XXXX, and addresses the inadequate responses received from the credit reporting agencies. 

Failure to Conduct Proper Investigations All three credit reporting agencies ( CRAs ) have failed to conduct reasonable investigations as required by the FCRA : XXXX verified the XXXX XXXX account as " reported correctly '' without addressing the discrepancies I highlighted. 

Experian claimed to have contacted the data furnisher but provided no evidence of a thorough investigation. 

XXXX merely stated they " processed your request '' without detailing their investigation process. 

Inconsistent Reporting Across Credit Bureaus : The XXXX XXXX account continues to have major reported inconsistently across the three CRAs : These discrepancies clearly indicate inaccurate reporting, yet none of the CRAs addressed this issue in their responses. 

Failure to Provide Requested Documentation XXXX  XXXX has still not provided the detailed validation I initially requested, including : A copy of the original signed agreement Documentation showing the chain of ownership of the debt A detailed accounting of the alleged debt Issues with XXXX XXXXXXXX XXXX Debt Validation Incomplete information : XXXX XXXX failed to provide a detailed accounting of the alleged debt or documentation showing the chain of ownership. 

Undue burden on consumer : Requiring me to visit a branch location to obtain copies of loan documents places an unreasonable burden on myself to validate the debt. This would mean that XXXX XXXX did not properly respond within the 30 days on the original request and also violated laws by requesting an undue burden. 

Recent Legal Actions Against CRAs I draw attention to recent legal actions taken by the CFPB against Experian ( lawsuit filed on XX/XX/XXXX ) and XXXX ( {$15.00} XXXX civil penalty on XX/XX/XXXX ) for conducting " sham investigations '' and failing to properly investigate consumer disputes. The responses I received from all three CRAs appear to follow the same problematic practices cited in these legal actions. 

Request for Action I request that the CFPB : Investigate whether the XXXX and XXXX XXXX conducted proper investigations as required by the FCRA. 

Require XXXX XXXX to provide the detailed debt validation initially requested. 

Investigate the ongoing inconsistencies in reporting across the three CRAs. 

Ensure that all inaccurate information is removed from my credit reports if it can not be properly validated. 

Take appropriate enforcement action against XXXX XXXX and the CRAs for any violations of consumer protection laws. 

Given the similarity between the violations in the recent lawsuits and the issues I've experienced, I believe it is crucial for the CFPB to thoroughly investigate this matter to protect consumers from ongoing harm caused by improper credit reporting and investigation practices. Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with all applicable consumer protection laws and regulations.