Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am submitting this formal complaint against the credit reporting agencies XXXX, Experian, and XXXX for their egregious and repeated violations of federal laws and regulations, specifically those set forth under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other applicable statutes. Their actions have caused me significant harm, including inaccurate reporting of credit information, failure to provide proper notifications, and inadequate resolution of disputes. Below is a detailed outline of the violations : 1. Violation of 15 U.S. Code 1681e ( b ) - Maximum Possible Accuracy The agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit file. Despite disputing multiple errors, they have continued reporting inaccurate, outdated, and unverifiable information, in direct violation of this provision. 

2. Violation of 15 U.S. Code 1681i - Dispute Procedures These agencies failed to properly investigate and correct inaccurate information on my credit report after I filed disputes. They did not conduct reasonable reinvestigations as required by law and failed to notify furnishers to verify the accuracy of the disputed items.

3. Violation of 15 U.S. Code 1681s-2 - Furnishers Responsibilities The credit bureaus have reported information from furnishers without ensuring compliance with their obligations under 1681s-2 to provide accurate and complete information.

4. Violation of 15 U.S. Code 1681g - Consumer Disclosures The credit bureaus failed to provide me with full and transparent disclosures about the data included in my file when requested. This is a violation of their duty to provide full disclosure under the FCRA.

5. Violation of 15 U.S. Code 1666b - Timely Posting of Payments These agencies reported inaccurate late payments despite payments being made on time. This is in direct violation of 1666b, which ensures the timely posting of payments to prevent harm to consumers credit.

6. Violation of 15 U.S. Code 1692g and 12 CFR 1006.34 ( c ) - Debt Validation and Communication The agencies have failed to verify debts as required under federal law. Despite repeated requests for validation, they continued reporting unverified debts, which is misleading and harmful to my financial standing. 

7. Violation of 15 U.S. Code 1681c-2 - Fraud Alerts and Identity Theft Procedures The bureaus failed to properly apply fraud alerts and safeguard my file from potential identity theft after I provided documentation indicating potential fraudulent activity.

8. 1099-C Debt Cancellation Issues The agencies have incorrectly reported debts that have been discharged through cancellation ( via 1099-C ) or bankruptcy. This is a clear misrepresentation and a violation of federal law requiring accurate reporting. 

9. General Violations of FCRA and CFPB Regulations The agencies are in direct violation of their responsibilities under multiple provisions of the FCRA, including : 1681b ( 2 ) Permissible Purposes of Consumer Reports 1681q Obtaining Information Under False Pretenses 1681s-2 ( a ) ( 1 ) ( B ) Duty to Report Disputed Information Accurately Additionally, they failed to follow requirements outlined in 12 CFR 1006.6 ( c ) and 12 CFR 1026.13 regarding proper communication and dispute handling. 

Harm and Damages As a result of these violations, I have experienced significant financial and emotional harm, including : Lower credit scores, leading to higher interest rates.

Denial of credit applications.

Emotional distress caused by repeated denials of disputes and lack of transparency.

Requested Resolution I am requesting the CFPB to : 1. Investigate these violations thoroughly. 
2. Order XXXX, Experian, and XXXX to correct all inaccuracies on my credit report immediately. 
3. Impose financial penalties and corrective actions to ensure compliance with federal laws and regulations.

4. Mandate ongoing audits of their dispute resolution processes.

5. Provide restitution for the harm caused, including compensation for emotional distress and any financial losses incurred. 

I am attaching copies of my credit reports, dispute letters, responses from the agencies, and any other supporting documentation. 

Thank you for your immediate attention to this matter. I trust that the CFPB will hold these agencies accountable for their unlawful practices and take swift action to ensure compliance. 










DearExperian I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Kindly provide me with the details of the individual you conversed with at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I must reiterate that this representation on my account is inaccurate and must be expunged. Hence, I request an updated credit report and a detailed overview of the investigative procedures undertaken. It is imperative to note that I do not seek a generic response outlining standard investigation protocols. 


XXXX I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 








XXXX I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XXXX, XXXX, XXXX, XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

I DO NOT want a generalizedresponse stating what you typically do in an investigation.