Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Via Certified Mail Experian Information Solutions , Inc . 
XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Re : Legal Action for Violations of the Fair Credit Reporting Act and Consumer Financial Protection Act Dear Sir/Madam, The Consumer Financial Protection Bureau XXXX CFPB ) is writing to inform you that it has filed a complaint in the United States XXXX XXXX for XXXX Central District XXXX XXXX  XXXX XXXX XXXX XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536, 5564, and 5565, committed by Experian Information Solutions , Inc. ( Experian ). 
Alleged Violations Our complaint alleges that Experian has engaged in a pattern of unlawful practices that harm consumers and violate the requirements outlined in both the FCRA and the CFPA. Specifically, we contend that : Failure to Conduct Reasonable Reinvestigations : Experian has failed to reasonably reinvestigate consumer disputes regarding the accuracy and completeness of information in consumer reports, as required by the FCRA. This includes instances where Experian has not forwarded all relevant information to data furnishers or failed to provide accurate notices to consumers regarding the outcome of disputes.

Uncritical Deference to Data Furnishers : Experian has been unreasonably deferential to responses from data furnishers, accepting their findings even when such responses are improbable, illogical, or inconsistent with other information Experian holds.

Failure to Meet Timely Requirements : Experian has not met the timelines required by the FCRA for reinvestigating consumer disputes, and it has also failed to adhere to the rules governing the re-insertion of deleted tradelines into consumer files. 
Inadequate Consumer Notices : The notices provided to consumers after reinvestigation have been confusing, incorrect, and internally inconsistent, making it difficult for consumers to understand the results of their disputes. 
Unfair Acts or Practices : In addition to FCRA violations, Experians conduct constitutes unfair practices prohibited by the CFPA, including the failure to adequately address consumer disputes and misleading consumers about their credit reports.

Legal Action and Remedies As a result of these violations, the CFPB has initiated a lawsuit seeking the following remedies : Injunctive Relief : To stop Experian from continuing its unlawful practices and to com
pel changes to its dispute resolution process.

Redress : Compensation for consumers who have been harmed by Experians conduct.

Disgorgement : Return of any financial gains made by Experian through unlawful practices.

Civil Money Penalties : Financial penalties imposed on Experian for its violations of the FCRA and CFPA. 
The CFPB takes its responsibility to protect consumers seriously and will continue to take necessary action to ensure compliance with the law. 
Next Steps We strongly urge Experian to review and address these issues promptly to avoid further legal and financial consequences. The CFPB will pursue full legal and financial remedies available under the law in order to protect consumers and enforce compliance with the FCRA and CFPA.

Please refer to Case Number : XXXX in all correspondence related to this matter. A copy of the official complaint is enclosed for your reference. 
If you wish to discuss this matter further or seek clarification, please feel free to contact the CFPB at the address listed above. 
Sincerely, XXXX XXXX Enclosure : Official Complaint- Please remove the following accounts : XXXX Reported : XXXX XXXX, XXXX {$XXXX} Closed XXXX Reported : XXXX XXXX, XXXX Closed XXXX Reported : XXXX XXXX, XXXX + {$XXXX} Closed XXXX Reported : XXXX XXXX, XXXX + {$XXXX} Closed XXXX Reported : XXXX. XXXX, XXXX + {$XXXX} Closed XXXX  Inquiry : XX/XX/XXXX + Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX + Miscellaneous XXXX OF XXXX XXXX : XXXX XXXX, XXXX + Banks XXXXXXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies CREDIT PLUS Inquiry : XXXX XXXX, XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$XXXX} Needs Attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$XXXX} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$XXXX} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$XXXX} Closed