Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a formal complaint regarding Experians failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my detailed dispute submitted on XX/XX/year>, Experian has failed to address several critical inaccuracies on my credit report, as well as the issue of duplicate reporting for the same debt. 

Background : - Dispute Submitted : XX/XX/year> - Experian Report Number : XXXX - Dispute Follow-Up : XX/XX/year> ( Experian Report Number : XXXX ) Specific Issues : XXXX. Failure to Address Disputed Accounts : - Experian did not resolve or respond adequately to disputes related to the following accounts : - XXXXXXXX XXXX ( Account Ending in XXXX ) : Reported as a charge-off with a balance of {$110.00}. No 1099-C was issued, as required by IRS regulations XXXX 
- XXXX  XXXX ( Account Ending in XXXX ) : Reported as a charge-off with repeated inaccuracies in payment history. Lacks validation and a 1099-C. 
- XXXX XXXX XXXX ( Account Ending in XXXX ) : Charge-off status with discrepancies in payment history and balances over several months. 
- XXXX XXXX XXXX ( Account Ending in XXXX ) : Collection account with inconsistent balances and incomplete documentation. 
- XXXX XXXX XXXX ( Account Ending in XXXX ) : Collection account with payment history inaccuracies and lack of proper validation. 
- XXXX XXXX XXXX ( Account Ending in XXXX ) : Late payments reported inaccurately. 

Despite my clear requests for validation or correction, Experian failed to address these accounts comprehensively. Their response only acknowledged changes to name and address data but ignored critical issues about the listed accounts. 

XXXX. Duplicate Reporting of Debt : - A debt has been reported both by the original creditor and a collection agency, violating FCRA guidelines that mandate accuracy and clarity in reporting. This duplication inflates the perceived debt burden and negatively impacts my creditworthiness. 

XXXX. Inadequate Reinvestigation : - Experians reinvestigation process appears to be superficial, as they failed to provide documentation validating the disputed items. Their response merely states that they contacted the furnisher but does not include evidence of any meaningful review or corrections. 

XXXX. Lack of Communication : - Experian did not provide adequate written notice explaining the reinvestigation results for all disputed items. The only updates pertain to non-material items, such as prior addresses, while the core issues remain unaddressed. 

Legal Violations : XXXX actions violate the following provisions of the FCRA : - 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation. 
- 15 U.S.C. 1681e ( b ) : Obligation to maintain maximum possible accuracy of consumer reports. 
- 15 U.S.C. 1681i ( a ) ( 5 ) : Requirement to delete or correct inaccurate or unverifiable information.

- 15 U.S.C. 1681i ( a ) ( 6 ) : Obligation to provide notice of the results of reinvestigation. 
Requested Resolution : I request the CFPB to : XXXX. Investigate XXXX reinvestigation process and ensure compliance with the FCRA. 
XXXX. Require Experian to : - Validate or delete the disputed accounts listed above. 
- Remove duplicate reporting of the same debt. 
- Provide a detailed explanation of the actions taken for each disputed item. 
XXXX. Impose appropriate penalties for XXXX failure to adhere to federal standards. 
Attachments : - Copy of my original dispute letter to Experian ( dated XX/XX/year> ). 
- Experians response ( dated XX/XX/year> ). 
- Highlighted credit report showing disputed accounts. 
Thank you for addressing this matter. I look forward to your assistance in resolving these issues. 

Sincerely, XXXX XXXX