Product: Credit reporting or other personal consumer reports

RE : Urgent Complaint against XXXX XXXX Willful Noncompliance with FCRA and Failure to Address Fraudulent Account To Whom It May Concern : I am writing to file a formal complaint against XXXX for their egregious mishandling of my fraud dispute regarding account # XXXX, their blatant disregard for consumer protection laws, and their systematic failure to fulfill their legal obligations under multiple federal statutes. 

Legal Violations : 1. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) violations : - Section 611 ( a ) - Failure to conduct a reasonable investigation - Section 615 - Failure to provide proper notice of investigation results - Section 607 ( b ) - Failure to maintain reasonable procedures to ensure maximum possible accuracy 2. Fair and Accurate Credit Transactions Act ( FACTA ) violations : - Failure to properly handle identity theft claims - Neglect of fraud victim protections 3. Potential violations of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5536 ) regarding unfair, deceptive, or abusive acts or practices ( UDAAP ) Nature of Complaint : XXXX has demonstrated a pattern of negligent and potentially willful violations of federal law by : 1. Continuing to report a demonstrably fraudulent account on my credit report 2. Deliberately avoiding meaningful investigation of my legitimate dispute 3. Employing automated, dismissive responses to deflect serious fraud claims 4. Failing to implement mandated identity theft protections Details of the Situation : I submitted a formal dispute regarding fraudulent account # XXXX. Instead of conducting the legally required thorough investigation, XXXX responded with a perfunctory verification stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU '' while only modifying superficial fields like " BALANCE DATE '' and " STATUS DATE. '' This cursory response evidences a complete abdication of their legal responsibilities and potentially constitutes willful noncompliance under the FCRA. 

XXXX also reports an incorrect address even though I sent in identification and proof of address with my correct address. They blatantly ignored that request as well. The attached credit report has incorrect personal information and the fraud account that I am disputing. 

The disputed account is reported by : R A ROGERS , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Phone : ( XXXX ) XXXX Legal Requirements and Violations : Under federal law, XXXX is legally mandated to : - Conduct a reasonable investigation of disputes ( 1681i ) - Follow strict procedures for fraud and identity theft claims - Provide detailed evidence of investigation methods- Remove information that can not be properly verified - Maintain procedures to prevent re-reporting of deleted fraudulent information Given the serious nature of these violations and XXXX 's history of data security issues, I request that the CFPB investigate whether these practices constitute a pattern or practice of violations warranting additional enforcement action. 

I reserve all rights under federal and state law, including the right to pursue private action under the FCRA if this matter is not properly resolved. I am prepared to provide any additional information needed to support this complaint. 

Thank you for your immediate attention to this serious matter. 

XXXX File Number : XXXX cc : Federal Trade Commission State Attorney General 's Office