Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for their continued failure to comply with federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes and requests for debt validation, my concerns remain unresolved, and my consumer rights continue to be disregarded.

Background of the Dispute : Over the past several months, I have made repeated requests to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to validate the following debts they claim I owe : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX Neither XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX has provided any v

alid documentation proving that these debts belong to me, as required by the FDCPA ( 15 U.S.C. 1692g ). Their lack of response constitutes a direct violation of my right to obtain proper validation of debts allegedly owed. Under the FDCPA, a debt collector must cease collection efforts until they have provided adequate validation of the debt upon request ( 15 U.S.C. 1692g ( b ) ). The failure of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to comply with this requirement means they are in direct violation of federal law. Additionally, continued reporting of unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to ensure the accuracy and completeness of the data they report.

Experians Failure to Provide Method of Validation : In addition to the failure of these debt collectors to validate, I have disputed these accounts multiple times with Experian. However, Experian has repeatedly responded with vague statements such as " updated and verified '' or " remains, '' without disclosing the method of validation used to confirm the accuracy of these accounts.

Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 6 ) ), Experian is required to provide the method of validation when a consumer requests it following a dispute. Despite my specific requests, Experian has failed to do so, thereby violating my right to a fair and transparent reinvestigation process. Additionally, under 15 U.S.C. 1681g, consumers have the right to obtain all information in their file, which includes how an account has been verified.

Further, under 15 U.S.C. 1681e ( b ), Experian has an obligation to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in a consumer report. Their failure to provide a legitimate method of verification and continued reporting of unverified accounts suggests a systemic deficiency in their compliance with federal law. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. If the agency fails to conduct a meaningful reinvestigation, it is in violation of this requirement.

Request for Action : I formally request that the CFPB take immediate action to investigate the following violations : Experian 's failure to provide the method of validation for the disputed accounts, in violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Experian 's failure to conduct a proper reinvestigation and failure to remove unverifiable information, as required by the FCRA ( 15 U.S.C. 1681i ( a ) ).

Experian 's potential violation of 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy in its credit reporting process.