Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX [ Email Address ] [ Phone Number ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Formal Complaint for Violations of FCRA, XXXX XXXX, and Procedural Failures To Whom It May Concern, This is a formal demand for immediate corrective action concerning reporting inconsistencies and procedural violations by XXXX and creditors, including Kikoff Lending and XXXX XXXXXXXX XXXX . These actions have caused significant harm to my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations.

Reporting Inconsistencies and Misrepresentation of Consumer Report Issue XXXX : Misrepresentation of Payment History on Charged-Off Account The Kikoff Lending account XXXX, marked as charged off with a {$160.00} balance, is reporting inaccurate payment history. Specifically : Payment history includes XXXX, XXXX, XXXX, XXXX, XXXX days late, which is inconsistent and misrepresented for a charged-off account. 
Once an account is charged off, further reporting of incremental delinquencies like XXXX, XXXX, XXXX, XXXX XXXX days late then charge off is deceptive and against standard credit reporting practices. 

Such inaccurate payment history manipulates the timeline of delinquency, creating an unjust extension of the negative impact on my credit report. This practice is highly detrimental to my creditworthiness and violates : 1. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must report accurate information to credit bureaus.

2. FCRA Section 605 ( a ) ( 4 ) : Reporting must adhere to the correct seven-year timeline based on the original delinquency date, not manipulated payment history. 

Issue 2 : Misrepresentation of Payment History on a Closed, Paid Account The Kikoff Lending account XXXX reported as paid and closed, shows a XXXX late payment despite reflecting OK for the entire payment history. This inconsistency is both inaccurate and harmful to my credit standing, in violation of : FCRA Section 623 ( a ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

FCRA Section 611 ( a ) : Requires consumer disputes to result in a prompt and reasonable reinvestigation by the credit bureau.

Impact of Reporting Violations These errors distort my credit profile, leading to unfair treatment by creditors. Inaccurate reporting of delinquencies and payment history : Falsely extends the timeline of negative credit events.

Undermines the integrity of my credit report.

Negatively impacts my credit score and borrowing ability. 




The referenced creditors, Kikoff Lending and XXXX XXXX XXXX, have been removed from XXXX but continue to report on XXXX. This inconsistency reflects a failure to report accurate and uniform information across credit bureaus, violating the FCRAs requirement to ensure fairness and impartiality in credit reporting. 

Additionally, the creditors have failed to provide proper disclosure regarding their reporting, as mandated under Section 623 of the FCRA. Without verifiable evidence that I was notified within 30 days of their decision to report negative information, this constitutes a major procedural violation and deceptive practice. I demand the following immediately : 1. Full documentary proof that notices of negative reporting were sent to me, including tracking numbers and proof of delivery.

2. Verification that the notices were compliant with Section 623, including the exact dates and contents. XXXX  Failure to Provide a Notice of Dispute Under the FCRA, XXXX is required to notify me within five business days of receiving my dispute. XXXX has failed to do so, which is a direct procedural violation. This omission is not only unlawful but also represents gross negligence in fulfilling your duties as a credit reporting agency. 

These failures undermine the accuracy of my credit report and violate my rights under the FCRA. The continued reporting of inconsistent and inaccurate information harms my financial reputation and adversely affects my creditworthiness.

Impact of Procedural Violations and Deceptive Practices The misrepresentation of my credit report and the failure to address reporting inconsistencies have subjected me to unfair treatment by creditors, including potential denials of credit and higher interest rates. Both XXXX and the creditors have engaged in practices that are deceptive, unfair, and detrimental to my financial standing. 

Demands for Immediate Action To rectify these violations, I demand the following actions : 1. Immediate removal of the accounts from XXXX : XXXX XXXX and XXXX XXXXXXXX XXXX accounts must be deleted due to the procedural and reporting violations described above. 
XXXX. Written confirmation of compliance : I require written acknowledgment that these accounts have been removed from my XXXX credit report. 
XXXX. Implementation of procedural safeguards : XXXX must ensure that proper notifications of disputes and creditor disclosures are provided in the future to prevent similar violations.