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Investigation took more than 30 days. I am submitting this formal complaint regarding ongoing inaccurate and unverified credit reporting that remains on my consumer credit file despite prior disputes. I have already sent disputes directly, and the continued reporting of these items demonstrates a failure to comply with federal law. This complaint is being filed to document noncompliance and to request regulatory review. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681e ( b ), 1681i, and 1681s-2 ( b ), furnishers and credit reporting agencies are required to report information with maximum possible accuracy and to conduct a reasonable investigation when a consumer disputes information. Any data that can not be fully verified must be corrected or deleted. XXXX XXXX Account