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Their investigation did not fix an error on your report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute Regarding Incorrect Reporting of Collection Accounts and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of collection accounts on my credit report and to request that an immediate investigation be initiated. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking a prompt resolution. Experian violates my rights as a consumer, as well as federal laws. Below are the details of my dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX