Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing as a XXXX XXXXXXXX of the XXXX and a XXXX XXXX to file a formal grievance regarding the non-compliance of consumer reporting agencies ( CRAs ) with their legal and scientific obligations under federal and international law. Recent practices by these agenciesspecifically, the failure to validate disputed debts within the legally mandated 30-day periodare in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the constitutional rights afforded to me. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as outlined in the XXXX XXXX series on data quality standards, require that all information included in a consumer report be rigorously verified with empirical evidence before being maintained. In my case, the alleged debts remain unsubstantiated by independent, scientifically verifiable proof. This failure undermines the fundamental scientific principle of reproducibility and casts serious doubt on the reliability of the data being reported. 
Lawful Reference : Under 15 U.S.C. 1681i of the FCRA, a consumer reporting agency is required to conduct a reasonable investigation and verify the accuracy of disputed information within 30 days. The lack of proper debt validation constitutes a breach of this mandate.

2. Ancient Principles of Justice and Fairness The principles of justice have been enshrined in ancient legal texts, such as the Code of Hammurabi and the legal traditions of Roman jurisprudence, which insist that claims must be supported by timely and accurate evidence. When evidence is lacking, justice demands the expungement of unsupported claims to preserve an individuals honor and integrity.

Lawful Reference : This time-honored principle is echoed in the due process protections guaranteed by the Fifth Amendment of the U.S. Constitution and further reinforced by international legal instruments such as the Universal Declaration of Human Rights ( Article 12 ) and the International Covenant on Civil and Political Rights ( Article 14 ). 

3. Constitutional and International Law Compliance As a consumer reporting agency, CRAs are legally bound to ensure that all information reported is accurate and substantiated. The failure to provide proper debt validationby merely updating or verifying without documented, evidence-based confirmationdirectly violates the FCRAs requirements as well as my constitutional right to due process.

Lawful Reference : The FCRA, particularly 15 U.S.C. 1681e ( b ) and 1681i, combined with the FDCPA under 15 U.S.C. 1692g, mandates that any alleged debt must be validated and that collection activities must cease until such validation is provided.

4. Debt Validation Requirements Under Federal Law The FDCPA requires that any debt in dispute be properly validated. Specifically, 15 U.S.C. 1692g obligates debt collectors to furnish a validation notice detailing the amount of the debt and the creditors information, ceasing collection activities until the debt is verified. The absence of such a validation notice and the continued reporting of an unverified debt clearly violate federal law.

Lawful Reference : Failure to adhere to these statutory requirements not only contravenes the FDCPA but also exacerbates the risk of disseminating inaccurate information in my consumer report, thereby violating the FCRA as well. 

5. Request for Enforcement and Remedial Action Given the foregoing, I respectfully demand that the CFPB enforce the applicable federal laws against these consumer reporting agencies to ensure full compliance. I urge your office to require that CRAs : Conduct proper, scientifically rigorous investigations in accordance with 15 U.S.C. 1681i.

Remove any unvalidated debt entries that have not met the 30-day verification requirement.

Provide a complete audit trail of all validations performed, in alignment with the due process protections under the Fifth Amendment.

Cease the reporting and potential use of unsubstantiated data in consumer reports, in accordance with both domestic and international legal mandates. 

I trust that the CFPB will take immediate and decisive action to rectify these violations and safeguard the rights of consumers. Until comprehensive enforcement measures are implemented, I reserve all rights under U.S. law, international treaties, and the longstanding legal traditions that protect XXXX XXXX XXXX XXXX XXXX 

Respectfully, UCC 1-308