Product: Credit reporting or other personal consumer reports

I submit this formal complaint against XXXX and XXXX ( " the Bureaus '' ) for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting.

Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ). 

Furthermore, I sent a certified dispute letter to both credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from either bureau, which constitutes an additional violation of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. 

Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : XXXX Lawsuit ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against XXXX for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that XXXX knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. 

XXXX XXXX ( XXXX ) : Consumer advocacy groups have raised concerns regarding XXXX ' failure to properly investigate disputes, reinsertion of erroneous data without notification, and lack of transparency in credit reporting. The CFPB has been urged to take enforcement action against XXXX for violating consumer protection laws similar to those attributed to the larger credit bureaus. 

These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against XXXX and XXXX. 

Fraudulent Accounts & Unauthorized Reinsertions XXXX  Account Number : XXXX Issue : Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( XXXX XXXX XXXX ) Laws Violated : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681c-2 ( a ), 1692g ( a ), 1692g ( b ). 

XXXX  Account Number : XXXX Issue : Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( XXXX XXXX XXXX ) Laws Violated : Same as above. 

XXXX  Account Number : XXXX Issue : Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( XXXX XXXX XXXX ) Laws Violated : Same as above. 

XXXX  Account Number : XXXX Issue : Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( XXXX XXXX XXXX ) Laws Violated : Same as above. 

XXXX  Account Number : XXXX Issue : Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( XXXX XXXX XXXX ) Laws Violated : Same as above. 

XXXX Account Number : XXXX Issue : Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( XXXX XXXX XXXX ) Violations : Failure to notify within 5 days before reporting ( XXXX XXXX XXXX XXXX ( a ) ). 

Reporting incorrect late payment history ( XXXX  days XXXX, XXXX  days XXXX, XXXX  days XXXX ) in violation of 15 U.S. Code 1681e ( b ).

Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit file across XXXX and XXXX. 

Ensure that these accounts and inquiries are not reinserted without proper validation as required under 15 U.S.C. 1692g ( b ).

Written Confirmation : Provide written confirmation of the removal of these accounts and inquiries along with updated copies of my credit reports.

Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent.

Provide findings in writing, including all requested verification details, such as contracts and signatures.

Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under 15 U.S.C. 1681g ( e ). 

Conclusion The continued noncompliance by XXXX and XXXX has caused significant financial harm and distress. Given the CFPBs history of legal action against credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected.

Sincerely,