Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( XXXX  ) Complaint Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX To : Consumer Financial Protection Bureau XXXX XXXX  ) XXXX XXXX XXXX Washington, XXXX XXXX XXXX : Experian Information XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Equifax Information Services LLC XXXX XXXX XXXX, XXXX, GA XXXX TransUnion  XXXX XXXX XXXX 2000, XXXX, PA XXXX Furnishers Under Investigation for Noncompliance : XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX Bank ( Account # XXXX ) Subject : Formal Complaint Against XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX Bank for FCRA Violations, XXXX XXXX XXXX XXXX, and FTC Complaint Filing Dear CFPB Representative, I am filing this formal complaint against XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX Bank for their ongoing violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and for engaging in deceptive and unfair credit reporting practices. 
These furnishers have failed to : XXXX. Provide legally required written notice before furnishing negative information to the credit reporting agencies ( FCRA XXXX ( a ) ( XXXX ) ). 
XXXX. Report the correct First Date of Delinquency ( FOD ) ( FCRA XXXX ( a ) ( XXXX ) ). 
XXXX. Notify all credit reporting agencies ( CRAs ) when an account has been updated or removed ( FCRA XXXX ( b ) ( XXXX ) ( D ) ). 
XXXX. Ensure that any reinsertion of an account meets certification and notice requirements ( FCRA XXXX ( a ) ( XXXX ) ( B ) ). 
This letter serves as notice that these entities must comply with their legal obligations, and any failure to do so will be escalated accordingly. 
XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) Failure to Provide Notice Before Reporting Negative Information Under FCRA XXXX ( a ) ( XXXX ), furnishers are required to notify consumers at least 30 days before furnishing negative information to a credit reporting agency. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX Bank failed to provide me with this legally required notice before reporting charge-offs to TransUnion and Experian. 
Without this notice, the negative reporting is noncompliant and must be removed immediately. 
Since these furnishers failed to comply with FCRA notification requirements, their reporting is unlawful and should be deleted. 
XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) Failure to Report the Correct First Date of Delinquency ( FOD ) Furnishers must accurately report the First Date of Delinquency ( FOD ) to prevent accounts from remaining on a credit report longer than the seven-year statutory limit. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX Bank have failed to provide verifiable proof of the First Date of Delinquency. 
If the actual date of delinquency can not be verified, the accounts must be permanently deleted. 
If these furnishers have manipulated the reporting dates in any way, that would constitute illegal re-aging under FCRA XXXX ( a ) ( XXXX ). They are now on notice that such actions violate federal law. 
XXXX. Violation of FCRA XXXX ( b ) ( XXXX ) ( D ) Failure to Notify All XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA XXXX ( b ) ( XXXX ) ( D ), if a furnisher deletes or updates an account with XXXX credit bureau, they XXXX XXXX to notify all other CRAs of the change. 
These furnishers selectively updated accounts with only some CRAs, while keeping inaccurate data on others. 
If a furnisher removes an account from XXXX credit reporting agency, it must be removed from all of them. 
This letter serves as a formal notice that they are required by law to ensure uniform updates across all CRAs. Any failure to do so constitutes noncompliance with the FCRA. 
XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) ( B ) Unlawful Reinsertion of Accounts Without Certification If any of these accounts were previously removed and then reinserted, the furnishers were required to : XXXX. Certify the accuracy of the information being reinserted. 
XXXX. Ensure that the credit reporting agency notifies the consumer within XXXX business days. 
I was not provided any notice that a reinsertion occurred, which means any such reporting is noncompliant with FCRA XXXX ( a ) ( XXXX ) ( B ). 
A deleted account can only be reinserted if it is certified to be 100 % accurate. If any of these accounts contain inaccuracies, they could not have been legally reinserted and must be permanently removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FTC Violation Under XXXX U.S.C. XXXX, it is unlawful for a company to engage in deceptive or unfair acts or practices in commerce. 
These furnishers have knowingly misreported credit information in a way that harms consumers. 
If they can not provide verifiable records proving their compliance, they are engaging in deceptive practices. 
This matter will be referred to the Federal Trade Commission ( XXXX  ) for further enforcement action. 
XXXX. Required Corrective Actions To resolve this matter, I demand the following actions within XXXX business days : XXXX. XXXX removal of the charge-off accounts from my XXXX and XXXX credit XXXX unless the furnishers can prove : That they provided the required XXXX consumer notification before reporting negative information. 
That they reported the First Date of XXXX correctly and can provide tracking records. 
XXXX. Full documentation and verification records from the furnishers regarding these accounts. 
XXXX. A CFPB investigation into these furnishers for systemic FCRA violations. 
XXXX. A referral to the FTC for enforcement action against these entities for deceptive practices. 
XXXX. Legal Consequences for XXXX XXXX FCRA XXXX ( willful violations ) and FCRA XXXX ( negligent violations ), these furnishers are subject to : Statutory damages of {$1000.00} per violation. 
Actual damages for harm caused by false reporting. 
Punitive damages for reckless noncompliance. 
Legal fees and court costs. 
Failure to comply within XXXX business days will result in : A second CFPB complaint citing repeat violations and intentional noncompliance. 
A formal FTC complaint requesting enforcement action against these furnishers. 
A potential lawsuit against these furnishers for FCRA and FTC XXXX violations. 
This serves as final notice that these entities must correct their reporting errors and comply with federal law. 
Conclusion XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX Bank have engaged in willful FCRA violations by failing to provide mandatory notices, misreporting credit information, and failing to update all CRAs uniformly. 
I expect a response within XXXX business days. Failure to act will result in further legal and regulatory escalation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX