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Their investigation did not fix an error on your report. FORMAL CFPB COMPLAINT FAILURE TO CORRECT CHARGE-OFFS AND COLLECTIONS Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Date of Birth : XXXX Report Reference # : XXXX Report Date : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX Credit Bureaus Failure to Correct Charge-Offs and Collections Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) against the XXXX major credit reporting agencies TransUnion, Experian, and Equifax for failing to correct or remove inaccurate and unverifiable charge-off and collection accounts