Improper use of your report: Credit reporting or other personal consumer reports

STATUTORY JURISDICTION & MANDATE Pursuant to 12 U.S.C. 5481, I am invoking the statutory protections of the Consumer Financial Protection Act. Under 12 U.S.C. 5511, the CFPB is mandated to ensure that providers of consumer financial products, including Credit Reporting Agencies ( CRAs ), comply with Federal consumer financial law. I am documenting a terminal breach of duty by Credit Bureaus regarding my consumer file. II. PROCEDURAL HISTORY : EXHAUSTION OF REMEDIES I have completed four ( 4 ) consecutive rounds of formal disputes and the investigation has reached a Terminal State of Non-Verification. Despite four formal notices, the CRA has failed to provide a Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 7 ) or competent evidentiary matter proving the accuracy of the accounts. III. ENUMERATED VIOLATIONS REQUIRING ENFORCEMENT Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : The statute dictates that if information " can not be verified '' after a reinvestigation, the agency " shall '' promptly delete the item. Violation of 15 U.S.C. 1681e ( b ) : failed to follow reasonable procedures to assure maximum possible accuracy. Maintaining unverified derogatory data on my report is a negligent breach of this standard. Violation of 15 U.S.C. 1681n : The bureaus continued reporting after being notified of the lack of evidentiary proof constitutes willful non-compliance, for which the bureau is liable for punitive damages