Product: Credit reporting or other personal consumer reports

# CFPB Complaint : Credit Report Inaccuracies and Dispute Request # # Subject : Multiple Credit Report Inaccuracies Requiring Immediate Investigation Under FCRA 611 To Whom It May Concern : I am submitting this complaint regarding multiple inaccuracies across my credit reports maintained by Equifax, Experian, and TransUnion. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am disputing the completeness and accuracy of information in my consumer files. This complaint serves as formal notification requiring all three major credit reporting agencies to conduct a reasonable investigation of the disputed items identified below.

# # Personal Information Correction My legal name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX. Under FCRA 611 ( a ) ( 1 ) ( A ), the credit bureaus must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' This includes ensuring my personal identifying information is correctly reported.

# # Collection Accounts Dispute I am disputing all collection accounts currently appearing on my reports under FCRA 611 and FDCPA 809. These accounts contain inaccurate balance information and require immediate validation from the furnishers. The disputed collection accounts include : XXXX XXXX XXXX XXXX XXXX {$100.00} ) XXXX. XXXX XXXXXXXX XXXX ( {$350.00} ) XXXX. XXXX XXXX XXXX ( {$900.00} ) XXXX. XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX. XXXX XXXX XXXX ( {$3000.00} ) # # XXXX XXXX Disputes I am also disputing the accuracy of the following reported late payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card account XXXX. The XXXX XXXX XXXX loan XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX loan # # Legal Basis for Required Action Under CFPB Circular XXXX and the FCRA 611 ( a ) ( 5 ), consumer reporting agencies can not evade their investigation responsibilities by merely deleting disputed tradelines. They must conduct a full investigation of each disputed item. Furthermore, as clarified by the CFPB and FTC in their joint amicus brief in XXXX XXXX XXXX XXXX XXXX XXXX furnishers must direct credit reporting companies to remove information they can not verify after a consumer identifies it as wrong. 

Per 12 C.F.R. 1022.43, furnishers receiving notice of disputes must complete their investigations within the timeframe specified in FCRA 611 ( a ) ( 1 ) and must promptly notify each consumer reporting agency if information is found to be inaccurate.

# # Requested Remedies 1. Immediately flag all disputed accounts as " Account information disputed by consumer '' as required by FCRA 611 ( c ) 2. Complete a full investigation of all disputed items within 30 days as required by FCRA 611 ( a ) ( 1 ) 3. Provide written notice of results of reinvestigation as required by FCRA 611 ( a ) ( 6 ) 4. Remove all information that can not be properly verified as required by FCRA 611 ( a ) ( 5 ) ( A ) 5. Correct all personal identifying information to reflect my actual name and address I understand that under FCRA 611 ( a ) ( 3 ), the consumer reporting agencies must consider all relevant information I submit. Please note that this dispute is not frivolous or irrelevant as defined in FCRA 611 ( a ) ( 3 ), and the consumer reporting agencies have an obligation to conduct a reasonable investigation.

I await your prompt response to this matter. Failing to properly investigate these disputes would constitute a violation of federal law and could result in further legal action. 

Sincerely, XXXX XXXX XXXX