Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Experian for Failure to Conduct Proper Investigations and Reinsertion of Inaccurate Information To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against Experian for repeatedly failing to conduct a proper investigation into multiple disputes I have submitted regarding inaccurate or erroneous information on my credit report. Specifically, I have disputed the following accounts multiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Reported on or around XX/XX/XXXX Despite my repeated attempts to dispute these items, Experian has continued to verify and reinsert these accounts without conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). I believe Experians actions ( or lack thereof ) violate the following sections of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 
15 U.S.C. 1681s-2 : Furnishing inaccurate information and failing to correct it.

15 U.S.C. 1681i ( 5 ) : Reinvestigation of disputed information and deletion of inaccurate or unverifiable information.

15 U.S.C. 1681c ( c ) : Prohibition against reinsertion of previously deleted information without proper certifications and notifications.

I recently learned about the CFPBs new lawsuit against Experian, in which the CFPB alleges that Experian conducts sham investigations that fail to properly address consumer disputes, and that Experian has a practice of improperly reinserting inaccurate information into consumer reports. My experiences align with these allegations. Experians procedures for handling my disputes have been inadequate, resulting in : Inaccurate and false information remaining on my credit report, which threatens my access to credit, employment, and housing. 
Stress, anxiety, and financial burdens as I have spent significant time, effort, and resources attempting to correct these errors. 
Missed opportunities, including the possibility of purchasing my first home, getting my child daycare because of the unresolved inaccuracies on my credit report not being able to purchase a new car. The old one was stolen and set on fire buy I did not have full liability. 
I am requesting that the CFPB take immediate action to investigate Experians failure to comply with the FCRAs dispute resolution requirements. Specifically, I request complete deletion of these disputed accounts from my credit report and confirmation that no inaccurate information will be reinserted. Experians repeated failure to fulfill its obligations has caused me substantial harm, and I trust that the CFPB will take the necessary steps to ensure that my rights as a consumer are protected. 
Background of the Dispute 1.

Disputed Accounts : I have repeatedly disputed the following accounts on my Experian credit report ( list the accounts, account numbers, or any identifying information ) : o FETTI XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute History : o On XXXX, XXXX, I submitted documentation online to Experian disputing these accounts. 
o Experian responded XX/XX/XXXX, stating that these accounts had been verified, updated or remained without providing any detailed explanation or evidence of how they reached that conclusion. 
o I again disputed these same accounts on XX/XX/XXXX providing additional documentation and requesting a thorough investigation which came back verified, updated, or remained. 
o Despite my repeated efforts, Experian continues to report these accounts inaccurately on my credit report, and I have not received proof of a bona fide investigation. 
Concerns About Sham Investigations In addition, I am aware of allegations that Experian has engaged in sham investigations of consumer report errors, undermining the spirit and purpose of the Fair Credit Reporting Act ( FCRA ). These inadequate dispute processes can have a devastating impact on consumers ability to obtain credit, secure employment, and find housing. I believe I have been subjected to this improper practice and demand relief from these unfair credit reporting errors. 
FCRA Violations Under the FCRA, consumer reporting agencies are required to : Conduct a reasonable investigation of disputed information within 30 days, Provide consumers with information about the investigation results, and Correct or delete inaccurate, incomplete, or unverifiable information. 
Experians repeated failure to investigate my disputes properly and provide me with adequate verification or deletion of these disputed accounts appears to be in violation of the FCRA. 
Requested Resolution Given Experians inadequate investigation of my disputes, I request the following relief : 1.

Deletion of Inaccurate Accounts : Immediate removal ( complete deletion ) of the disputed accounts from my credit report. 
2.

Written Confirmation : A formal letter from Experian confirming these accounts have been deleted and will no longer appear on any consumer report they issue.

3.

Proof of Investigation : Clear documentation showing the steps Experian took to investigate my dispute if they claim the accounts are accurate.

Conclusion These inaccuracies and Experians apparent lack of a proper investigation have caused me distress and may harm my ability to obtain credit, employment, and housing. I kindly request the CFPB to investigate Experians sham investigations practices and enforce my rights under the FCRA. 
I appreciate your attention to this critical matter and look forward to your prompt response. If you require any additional information or documentation, please feel free to contact me by phone or email. 
Thank you for your time and consideration. 
Sincere XXXX XXXX Enclosures Copies of letters of dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccuracies in Credit Report Account Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I trust this letter finds you in good health, although the same can not be said for the integrity of the information within my credit reports, as evident by the alarming inaccuracies I have uncovered. 
Upon scrutinizing my credit reports sourced from your agency, it has come to my attention that there exist numerous discrepancies across multiple accounts. These discrepancies, if left unaddressed, not only jeopardize the accuracy of my creditworthiness but also undermine the very foundation of trust upon which the credit reporting system stands. 
In light of these discrepancies, I am formally disputing the inaccuracies and demanding immediate action to rectify the situation. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681 ( a ) ( 1 ), 15 U.S. Code 1681 ( a ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 3 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( A ), and 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( A ) ( iii ) to ensure that my rights are protected and upheld. 
Here are the details of the discrepancies identified for each account : XXXX The inaccuracies in the reported information across the three credit bureaus are as follows : XXXX. 
Date of Last Activity : XXXX reports the date of last activity as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. These discrepancies indicate inconsistencies in the reporting of this crucial detail. 
2.

Balance Owed : XXXX reports a balance owed of {$290.00}, while Experian reports it as {$0.00}, and XXXX reports it as {$290.00}. These discrepancies raise concerns about the accuracy of the reported data. 
XXXX. 
Account Rating : XXXX reports the account as " Derogatory, '' while Experian and XXXX both report it as " Closed. '' This inconsistency requires clarification for accuracy. 
XXXX. 
Creditor Remarks : Experian reports " Unpaid balance reported as a loss by the credit grantor, '' while XXXX reports " Charged off as bad debt, '' and XXXX reports " Charged off account. '' These conflicting remarks require clarification for accuracy. 
XXXX. 
Payment History : Experian reports a payment amount of {$0.00}, while XXXX and XXXX do not provide this information. This inconsistency in reporting further underscores the need for a thorough investigation into the accuracy of the reported information. 
XXXX The inaccuracies in the reported information across the XXXX credit bureaus are as follows : XXXX. 
Last Verified Date : Experian reports no last verified date, while XXXX and XXXX do not provide any information on this aspect. The absence of this crucial detail raises concerns about the accuracy and verification process of the reported data. 
XXXX. 
Date Reported : Experian reports the date reported as XX/XX/XXXX, while XXXX and XXXX do not provide any information on this aspect. The inconsistency in reporting this date requires clarification for accuracy. 
3.

Balance Owed : Experian reports a balance owed of {$67.00}, while XXXX reports it as {$95.00}. XXXX does not provide any information on this aspect. These discrepancies in the reported balance raise concerns about the accuracy of the reported data. 
4.

Account Status : XXXX reports the account as " XXXX, '' while Experian reports it as " Open. '' XXXX does not provide any information on this aspect. The inconsistency in reporting this status requires clarification for accuracy. 
5.

Payment Status : Experian reports the payment status as " Current, '' while XXXX reports it as " XXXX. '' XXXX does not provide any information on this aspect. The inconsistency in reporting this status requires clarification for accuracy. 
XXXX. 
Payment Amount : Experian reports the last payment amount as {$11.00}, while XXXX and XXXX do not provide any information on this aspect. The inconsistency in reporting this detail requires clarification for accuracy. 
XXXX. 
Payment Frequency : Experian reports the payment frequency as " Monthly ( every month ), '' while XXXX and XXXX do not provide any information on this aspect. The inconsistency in reporting this detail requires clarification for accuracy. 
XXXX XXXX. 
Balance Owed : Experian reports a balance owed of {$260.00}, whereas XXXX lists a balance of {$0.00}. This discrepancy raises concerns about the accuracy of the reported data and requires verification. 
XXXX. 
Date Opened : Experian lists the date opened as XX/XX/XXXX, while XXXX reports the date opened as XX/XX/XXXX. These differing dates indicate inconsistencies in reporting and require clarification. 
XXXX. 
Account Description : Experian reports the account as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' whereas XXXX lists the account as " XXXX. '' This discrepancy requires clarification for accuracy. 
XXXX. 
Creditor Remarks : Experian reports various remarks including " Account was in dispute- now resolved - reported by subscriber '' and " Unpaid balance reported as a loss by the credit grantor. '' These conflicting remarks require clarification for accuracy. 
XXXX. 
Payment History : Experian provides a payment history indicating a combination of on-time payments and delinquencies, while XXXX does not provide any payment history for the account. This inconsistency further underscores the need for a thorough investigation into the accuracy of the reported information. 
XXXXXXXX XXXX Discrepancies : The reported high balance of {$40.00} and the balance owed of {$0.00} are inconsistent with the actual account details. The high balance and balance owed should both reflect {$0.00}. 
Despite the account being closed on XX/XX/XXXX, XXXX erroneously reports the account as " Closed '' with a closed date of XX/XX/XXXX. This misinformation impacts the accuracy of my credit profile. 
The reported dispute status as " Dispute resolved ; customer disagrees '' suggests that the dispute was resolved without my consent or agreement. However, I have not been properly informed or involved in any dispute resolution process concerning this account. 
Experian Discrepancies : Similar to XXXX, Experian reports a high balance and balance owed of {$0.00}, which is accurate. However, the reported account status as " Closed '' conflicts with the date of last activity reported as XX/XX/XXXX. The account should reflect an " XXXX '' status. 
The payment status is listed as " Late 60 Days, '' which is inaccurate given that the account balance is {$0.00}. This misreporting negatively impacts my credit history and score. 
XXXX Discrepancies : XXXX does not report any information regarding this account, which raises concerns about the consistency and completeness of my credit report across all three bureaus. This lack of reporting by XXXX further highlights the need for accurate and comprehensive credit reporting practices. 
XXXX. 
Date of Last Activity : Experian reports the date of last activity on this account as XX/XX/XXXX, while XXXX and XXXX indicate different dates. These inconsistencies raise doubts about the accuracy of the reported information and require clarification. 
XXXX. 
Date Reported : The date reported by Experian differs from that reported by XXXX and XXXX. Experian indicates XX/XX/XXXX as the date reported, whereas XXXX and XXXX report XX/XX/XXXX and XX/XX/XXXX, respectively. This disparity in reporting necessitates an investigation into the accuracy of the reported dates. 
XXXX. 
Account XXXX : Experian indicates that the account was in dispute but is now resolved, as reported by the subscriber. However, XXXX reports that the account is not disputed, and XXXX reports it as disputed. This conflicting information regarding the dispute status requires clarification and resolution. 
XXXX. 
XXXX XXXX : The payment status reported by Experian differs from that reported by XXXX and XXXX. While Experian indicates a XXXX balance and reports the account as closed with a collection/chargeoff status, XXXX and XXXX report different payment amounts and statuses. This discrepancy in reporting requires investigation and correction. 
XXXX. 
Creditor Remarks : Experian reports remarks indicating that the account was in dispute and is now resolved, with merchandise taken back by the credit grantor and an unpaid balance reported as a loss. However, XXXX and XXXX provide no such remarks, indicating inconsistencies in reporting that need to be addressed. 
XXXX. 
XXXX Discrepancies : The reported high balance of {$18000.00} and balance owed of {$10000.00} are inconsistent with the account 's true history and status. The correct high balance should be {$0.00}, and the balance owed should reflect the charged-off status. 

Despite the account being labeled as " Derogatory '' and " Collection/Chargeoff, '' there is no indication of the derogatory nature of the account, which misrepresents its status to potential creditors. 

The reported dispute status as " Dispute resolved ; reported by grantor '' is inaccurate and misleading. I have not been notified of any dispute resolution process involving this account. 
The gravity of these discrepancies can not be overstated. They not only cast doubt upon the reliability of the information provided by your agency but also have profound implications for my financial standing and future opportunities. As such, I demand a thorough validation and verification process for each of the disputed accounts to ensure compliance with the FCRA. Additionally, if the information can not be verified, I demand you provide the name, title, and contact information of the person responsible for certifying the accuracy of the information, along with proof of certification. 
Furthermore, I expect prompt communication and transparency throughout the investigation process. It is imperative that I am kept informed of the steps being taken to address my concerns and that any necessary corrections are made within the statutory timeframe as prescribed by law. 
Failure to address these discrepancies in a timely and satisfactory manner will leave me with no choice but to pursue all available legal remedies to rectify the situation and seek damages for any harm caused to my financial reputation. 
Please acknowledge receipt of this dispute letter and confirm the initiation of the validation and verification process. 
Please acknowledge receipt of this dispute letter and inform me of the steps being taken to address my concerns. You can reach me at the address if you require any further information or clarification. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Detailed Method of Verification Request Under FCRA Specific Account Inquiries Dear Experian Dispute Department, I am writing to request a detailed method of verification for the accounts I previously disputed, as per the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 6 ) ( B ) ( iii ). The response to my initial dispute stated that the items were verified as accurate, yet no detailed evidence or procedural explanation was provided. Given the complexity of the discrepancies and the potential impact on my financial standing, I require a comprehensive breakdown of the verification process for each account. 
# # # Disputed Accounts and Specific Discrepancies : XXXX. XXXX XXXX XXXX - XXXX : Differences in " Date of Last Activity '' and " Balance Owed '' across bureaus. 
- **Request** : Please provide the names and contact information of the individuals or entities that verified these details, along with copies of any documents or electronic records that confirm the accuracy of this information. 
XXXX. XXXX - XXXX : Inconsistent account ratings and creditor remarks across credit bureaus. 
- **Request** : I require documentation or detailed electronic record logs that illustrate how these discrepancies were verified, including communications with the creditor responsible for reporting. 
XXXX. XXXX - XXXX : Conflicting dates reported and variations in the balance owed. 
- **Request** : Please supply the exact verification methods used, including the specific data points checked, and the source of this data. 
XXXX. XXXX - XXXX : Differences in " Balance Owed '' and " Date Opened '' as reported by different bureaus. 
- **Request** : I need to see the original data submissions from the creditor, including any relevant communication logs that support the verification of these entries. 
XXXX. XXXX - **Discrepancies** : Erroneous reporting of account status and incorrect payment history details. 
- **Request** : Provide a step-by-step account of the verification process, including the identity of the confirming party and the method used to resolve the dispute. 
# # # Required Information for Each Account : - **Verification Source** : Who provided the information? Were they the original creditor, a debt collector, or another third party? 
- **Verification Method** : What specific steps were taken to verify the information? Was the information cross-referenced with other data, or was it merely re-affirmed by the creditor without additional proof? 
- **Documentation** : I request copies of any and all documents, electronic communications, and logs that were used during the verification process. This includes, but is not limited to, account statements, ledger entries, signed agreements, and correspondence that confirm the status of the disputed items. 
The accuracy of this information is crucial for my credit integrity. Inaccurate or unverifiable information must be corrected or removed from my credit report in accordance with the FCRA. 
Please provide the detailed method of verification within the statutory timeframe of 15 days from receipt of this letter. If this information is not forthcoming, or if the verification can not be adequately substantiated, I request the immediate removal of these disputed items from my credit report. 
Thank you for your immediate attention to this matter. I expect a comprehensive response that fully addresses all points raised in this letter. 
Sincerely, XXXX XXXX