Product: Credit reporting or other personal consumer reports

Demand for Deletion of Inaccurate and Unverified Accounts Reference to CFPB Lawsuit & My Filed Complaints To Whom It May Concern, I am formally disputing the accuracy and validity of multiple accounts appearing on my Experian credit report. This dispute is supported by the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian for failing to conduct legitimate reinvestigations of consumer disputes, along with my own CFPB complaints against Experian, which highlight similar violations. 

Basis for My Dispute 1. Experians Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information. 
The CFPBs XXXX lawsuit against Experian found that Experian engages in sham investigations by failing to properly assess disputes and merely deferring to furnishers without verifying accuracy. 
My own CFPB complaints ( detailed below ) document repeated failures by Experian to investigate and correct errors, reinforcing that Experian is violating the Fair Credit Reporting Act ( FCRA ). 
2. Experians Improper Use and Handling of Consumer Reports The CFPB found that Experian does not properly notify consumers of reinvestigation outcomes, often providing confusing or misleading responses. 
My complaint history with the CFPB also shows that Experian has failed to correct disputed information, and in some cases, has reinvestigated in bad faith. 
3. Experians Noncompliance with FCRA and the CFPBs Findings The CFPBs lawsuit confirms that Experian : Fails to forward relevant consumer-submitted documents to furnishers.

Fails to delete inaccurate or unverifiable information as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Continues reporting erroneous information despite prior disputes. 

My CFPB Complaints Against Experian I have submitted multiple complaints to the CFPB regarding Experians ongoing violations of the FCRA. The details of my complaints are as follows : Complaint Number, Date Filed, Issue, Experians Response XXXX, Incorrect information on my report, Open Response pending XXXX, Improper use of my report, Closed Company responded XXXX, Incorrect information on my report, Closed Company responded XXXX, Failure to properly investigate a dispute, Closed Company responded These complaints document Experians ongoing pattern of misconduct, which mirrors the CFPBs lawsuit findings. 

Demand for Immediate Deletion of Negative Accounts Due to Experians failure to follow FCRA guidelines, its pattern of noncompliance, and CFPBs lawsuit exposing its sham dispute process, I formally demand the deletion of the following inaccurate and unverifiable accounts from my credit report : XXXX XXXX  ( Opened XX/XX/XXXX, Charged Off {$1100.00} Written Off ) XXXX ( Opened XX/XX/XXXX, {$50.00} Past Due as of XX/XX/XXXX ) XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Charged Off {$170.00} Written Off, {$110.00} Past Due as of XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX, Open Inaccurate Information ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Open Inaccurate Reporting ) XXXX XXXX ( Opened XX/XX/XXXX, Charged Off {$130.00} Written Off, {$130.00} Past Due as of XX/XX/XXXX ) XXXX XXXX XXXX ( Opened XX/XX/XXXX, Charged Off {$24.00} Written Off, {$24.00} Past Due as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Charged Off {$20000.00} Written Off, {$11000.00} Past Due as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Charged Off {$23000.00} Written Off, {$9200.00} Past Due as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$60.00} Past Due as of XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Collection {$600.00} Past Due as of XX/XX/XXXX ) Action Required Under FCRA 1681i ( a ) ( 5 ) ( A ) and 1681e ( b ), Experian must : 1. Immediately delete all disputed accounts due to Experians failure to conduct reasonable reinvestigations as evidenced by the CFPBs lawsuit.

2. Provide written confirmation of deletion of all disputed accounts within 30 days.

3. Ensure all furnishers are properly notified that the disputed items have been removed.

4. Cease all future reinsertion of these accounts in compliance with FCRA 1681i ( a ) ( 5 ) ( B ) - ( C ).

Failure to Comply Will Result in Further Action Should Experian fail to comply with this request : I will escalate this issue by filing additional complaints with the CFPB and the FTC.

I will explore legal action for Experians FCRA violations, seeking statutory and actual damages.

I will demand civil penalties against Experian as outlined in the CFPBs enforcement authority.

Given the CFPBs lawsuit exposing Experians deceptive practices, I demand full compliance with this dispute request without any further delay or obstruction.

I expect written confirmation of the deletions within 30 days, as required by law. You may contact me at XXXX if further clarification is needed. 

Sincerely, XXXX XXXX. XXXX