Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, California XXXX XXXX ] XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC. XXXX Subject : Formal Complaint and Cease and Desist Order Against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXXXXXX XXXX XXXX XXXX XXXX XXXX for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting unauthorized information. 

According to the Fair Credit Reporting Act of 15 USC 1681, section 602 ( a ) ( 4 ) states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Per 15 USC 6801 ( a ) states, Privacy obligation policy. It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. '' XXXX XXXX XXXX XXXX, a financial institution by definition under that title, is furnishing this information to the credit agencies. As a consumer, I am exercising the right to enforce the FCRA. Additionally, Per USC 1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. XXXX XXXX XXXX never informed of my right to exercise my nondisclosure option. Additionally, per 15 USC 1681 C ( a ) ( 5 ) states ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), noconsumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting, again, without my consent which is against the law. In addition, 15 USC 1681s - 2 ( a ) ( 1 ) ( A ) states, Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. '' Per 15 USC 1681 ( e ) states, Identity and purposes of credit users Everyconsumer reporting agencyshall maintain reasonable procedures designed to avoid violations ofsection 1681c of this titleand to limit the furnishing ofconsumer reportsto the purposes listed undersection 1681b of this title. 

I hereby demand that XXXX XXXX XXXX immediately update any and all adverse report to be updated to reflect paid as agreed. In addition, any ad related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy ( Opt-Out per 12CFR 1016.75 ( h ) ). 


Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX