Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint and Request for Expedited Investigation : FCRA Violations by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Credit Reporting XXXX Dear CFPB XXXX XXXX am writing to formally dispute the inaccurate and unfair reporting of my credit information by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX credit reporting agencies ( Experian, XXXX, and XXXX XXXX. Despite my diligent efforts to resolve these issues directly with the parties involved over the past year and a half, the inaccuracies remain unresolved, causing significant harm to my creditworthiness and financial stability. 

# # Background and Disputed Accounts # # # XXXX. XXXX XXXX XXXX XXXXunt XXXX : XXXX ) - **Original Creditor : ** XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Initially managed by XXXX XXXX XXXX, subsequently transferred XXXX XXXX XXXX XXXX, XXXX, and now XXXX XXXX XXXX Comenity Capital Bank despite prior dispute XXXX XXXX 
- **Account Status : ** Closed, {$3900.00} written off. 
- **Key Issues : ** Multiple charge-off listings, inconsistent reporting dates, and failure to properly investigate disputes. 

# # # XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) - **Original Creditor : ** Comenity XXXX XXXX XXXX XXXX XXXX ** Account information disputed by consumer, claimed to meet FCRA requirements. 
- **Key Issues : ** Reappearance of previously deleted information, inaccurate reporting, and inconsistent data. 

# # XXXX Violations XXXX. **Reappearance of Previously Deleted Information** - **Violation : ** FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ) - **Potential Compensation : ** Up to {$1000.00} per violation. 

XXXX. **Failure to Properly Investigate Disputes** - **Violation : ** FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) - **Potential Compensation : ** Up to {$1000.00} per violation. 

XXXX. **Reporting Inaccurate Information** - **Violation : ** FCRA XXXX ( a ) ( XXXX ) ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) - **Potential Compensation : ** Up to {$1000.00} per violation. 

XXXX. **Failure to XXXX Account as XXXX - XXXX : ** FCRA XXXX ( a ) ( XXXX ) ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) - **Potential Compensation : ** Up to {$1000.00} per violation. 

XXXX. **Reinsertion of Deleted Information Without Notification** - **Violation : ** FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ) - **Potential Compensation : ** Up to {$1000.00} per violation. 

XXXX. **Multiple Listings of the Same Account** - **Violation : ** FCRA XXXX ( a ) ( XXXX ) ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) - **Potential Compensation : ** Up to {$1000.00} per violation. 

XXXX. XXXX and XXXX XXXX XXXX - XXXX : ** Inaccurate and inconsistent reporting of charge-off dates across different credit reports. 
- **Relevant Law : ** FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX ( a ) ( XXXX ) ( A ). 
- **Potential Compensation : ** Up to {$1000.00} per violation. 

XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX - XXXX : ** XXXX a closed account with a charge-off multiple times and inaccurately reflecting the balance. 
- **Relevant Law : ** FCRA XXXX ( a ) ( XXXX ). 
- **Potential Compensation : ** Up to {$1000.00} per violation. 

# # Total Requested Compensation - **Statutory Damages : ** {$8000.00} - **Actual Damages ( Emotional distress, lost opportunities, financial hardship ) : ** {$100000.00} - **Punitive Damages : ** {$100000.00} **Total Potential Compensation : ** Approximately {$200000.00} # # Supporting Case Precedents XXXX. **Willey XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : ** The court awarded damages for reappearance of previously deleted information and failure to notify the consumer. Total compensation was approximately {$100000.00}. 

XXXX. **Wright XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX ) : ** The court ruled in favor of the consumer for failure to conduct a reasonable reinvestigation, awarding {$10000.00}. 

XXXX. **Smith XXXX XXXX XXXX XXXX XXXX ) : ** The court awarded statutory damages and punitive damages for reporting inaccurate information, totaling approximately {$50000.00}. 

# # Request for Expedited Investigation Given the ongoing harm caused by these inaccuracies, I request an expedited investigation by the CFPB. Under **FCRA 611 ( a ) ( 1 ) ( A ) ** and ** 623 ( b ) **, credit reporting agencies and furnishers are required to investigate consumer disputes and report the results within 30 days. Despite this, my disputes have not been resolved within the permissible timeframe.

# # Relevant FCRA Violations 1. **Failure to Reinvestigate Disputed Information within Required Timeframe** - Violation of **FCRA 611 ( a ) ( 1 ) ( A ) **.

2. **Failure to Notify Furnishers of the Dispute** - Violation of **FCRA 611 ( a ) ( 2 ) **.

3. **Failure of Furnishers to Investigate the Disputed Information** - Violation of **FCRA 623 ( b ) **.

4. **Failure to Provide Timely Notice of Results of Reinvestigation** - Violation of **FCRA 611 ( a ) ( 6 ) **.

# # Request for Relief Given the severity of these violations and the substantial impact on my financial well-being and employment opportunities, I request the CFPB to : 1. Investigate these practices thoroughly and ensure the immediate deletion of the inaccurate information from all my credit reports.

2. Award statutory damages of {$1000.00} per violation.

3. Award actual damages for emotional distress, lost work opportunities, and financial hardship amounting to {$100000.00}.

4. Award punitive damages to deter future noncompliance, amounting to {$100000.00}.

The ongoing inaccuracies on my credit report have caused significant financial harm, hampering my ability to secure essential financing and transportation. This has notably affected my ability to travel to necessary work locations, such as festivals for my employment with a beef jerky company, directly resulting in missed job opportunities.

# # Enclosures 1. **Copies of Credit Reports Highlighting Discrepancies** - This includes reports from Experian, XXXX, and XXXX showing inconsistent and inaccurate data.

2. **Previous Dispute Correspondences with Experian and Other Credit Bureaus** - Documentation of my diligent efforts to resolve this issue.

3. **A Comparative Analysis Showing Discrepancies Across Different Reports** - Highlighting inconsistencies in reporting dates, charge-off listings, and account statuses. 

Thank you for your prompt attention to this matter. Your assistance is crucial in rectifying these injustices and restoring my financial integrity. 

Sincerely, XXXX XXXX XXXX XXXX