Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Complaint Against Experian for Failure to Correct Inaccurate Credit Reporting Report Number XXXX ( XX/XX/XXXX ) Account Numbers : XXXX, XXXX Dear Sir/Madam, I am submitting this formal complaint against Experian for their willful failure to correct inaccuracies on my credit report despite my repeated efforts to dispute and resolve these errors. I am seeking your intervention due to Experians ongoing non-compliance with federal consumer protection laws, including violations of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666 ( b ). 

The details of my complaint are as follows : Incorrect Late Payments Reported Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The months of XXXX and XX/XX/XXXX are reported with false late payments. I have never been late on any payments during these months, and these late payment entries are illegal under 15 U.S.C. 1666 ( b ), which prohibits the reporting of inaccurate payment histories. 
Account XXXX XXXXXXXX The months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are reported with false late payments. Again, I have never been late on these payments, and this misreporting violates the same section of the law. 
Repeated Failure to Correct Errors I have disputed these errors with Experian on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). Despite my efforts, these incorrect entries have not been corrected. Experians continued failure to accurately report my credit history constitutes willful non-compliance with consumer protection laws and is causing significant harm to my creditworthiness. 

As a consumer, I am entitled to an accurate and complete credit report under the Fair Credit Reporting Act. Experians ongoing negligence and refusal to fix these errors have violated my rights under this law, as well as the Truth in Lending Act ( TILA ). Their actions are in direct violation of my legal protections and are adversely affecting my financial reputation. 

I have requested Experian remove these illegal late payment entries, but their actionsor lack thereofare unacceptable. I have now exhausted all reasonable steps to resolve this issue directly with Experian and am left with no choice but to escalate this matter to your office. 

I request that the CFPB take the following actions : Investigate Experians failure to correct these inaccuracies on my credit report. 
Ensure that Experian complies with FCRA regulations by correcting these erroneous entries and preventing further violations. 
Hold Experian accountable for their failure to address my legitimate disputes within the required timeframe, as outlined by law. 
Please find enclosed the documentation of my previous dispute attempts with Experian, along with a copy of my credit report reflecting the inaccurate entries. 

I would greatly appreciate your assistance in resolving this matter. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this urgent matter. I trust the CFPB will hold Experian accountable for their actions and help rectify the damage they have caused. 

Sincerely, XXXX XXXX