Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is **XXXX  XXXX The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, XXXX, and Experian and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Credit card** _XXXX XXXX XXXX Reported : XX/XX/XXXX Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This charge off account does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I even have filed complaint with the OCC, Federal Reserve, FDIC, and the FTC, and they all forwarded me to the CFPB. Oddly enough, according to the CFPB, XXXX XXXX XXXX   was supposed to contact me and they did not, I never receipted anything from them since. The disputed items was closed immediately without giving me any notice or description of their reinvestigation procedures. as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.
***Defendant XXXX  , Experian and XXXX XXXX is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.Experian and XXXX XXXX failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ).

It is a practice of all of the Defendants to maliciously, willfully, recklessly, wantonly and/or negligently ignore and refuse to follow the requirements of the FCRA and state law.

All Defendants know their conduct is wrong and have been sued multiple times for this type of wrongful conduct. Significant punitive damages are needed to stop this type of inappropriate behavior from continuing to happen. All actions taken by employees, agents, servants, or representatives of any type for the Defendants were taken in the line and scope of such individuals ( or entities ) employment, agency or representation.

All actions taken by the Defendants were done with malice, were done willfully, and were done with either the desire to harm Plaintiff and/or with the knowledge that their actions would very likely harm Plaintiff and/or that their actions were taken in violation of the FCRA and/or state law and/or that they knew or should have known that their actions were in reckless disregard of the FCRA and/or state law.

All Defendants have engaged in a pattern and practice of wrongful and unlawful behavior with respect to accounts and consumer reports and as such all Defendants are subject to punitive damages and statutory damages and all other appropriate measures to punish and deter similar future conduct by these Defendants and similar companies.

All Defendants are liable to Plaintiff through the doctrine of Respondeat Superior for the wrongful, intentional and negligent acts, errors, and omissions done in violation of state and federal law by their employees and agents, including, but not limited to, violations of the FCRA and New Jersey tort law, in their attempts to collect this debt from Plaintiff.