Product: Credit reporting or other personal consumer reports

Subject : URGENT COMPLAINT DEMAND FOR IMMEDIATE DELETION OF INACCURATE CREDIT ACCOUNT REPORTING To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, and Equifax for grossly inaccurate reporting of an account under my credit file. The account labeled as XXXX XXXX XXXX ( Account # XXXX / XXXX ) contains multiple errors and inconsistencies across the XXXX credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Consumer Financial Protection Act ( CFPA ). 
Inaccurate Information in My Credit Report XXXX. Inconsistent Date of Last Activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XX/XX/XXXXXXXX XXXX These discrepancies prove the bureaus are reporting different information for the same account, which is a direct violation of FCRAs accuracy requirements. 
XXXX. Conflicting Date Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XX/XX/XXXX ( This is a future date, making it impossible and clearly inaccurate! ) XXXX. Incorrect Payment History & Late Payments : * XXXX : Shows XXXX and XXXX late payments in XXXX and XX/XX/XXXX despite the account being marked " Current '' before closing. 
XXXX XXXX : Reflects XXXX and XXXX late payments in XXXX, XXXX, and XX/XX/XXXX, which contradicts XXXX and Equifax XXXX 
* Equifax : Reports XXXX and XXXX late payments in XXXX and XX/XX/XXXX, but no similar late payments appear on XXXX or XXXX in the XXXX months. 
* These inconsistencies in payment history falsely damage my credit score and financial standing. 
XXXX. Conflicting Account Closure Dates : * XXXX : XX/XX/XXXXXXXX XXXX XXXX : Not listed * Equifax : Not listed * The account should be uniformly marked closed on all reports, yet some bureaus continue to report different statuses. 
XXXX. Incorrect Reporting of Account Type and Terms : * XXXX and XXXX list it as a secured loan with a XXXX term, while Equifax does not confirm the term length at all. 
* The payment frequency is listed as " XXXX ( every month ) '' in XXXX but missing from XXXX and Equifaxanother failure to maintain accuracy. 
Federal Law Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( b ) * Credit bureaus must report accurate and consistent information. The discrepancies across all three reports show clear non-compliance. 
XXXX. Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 * Inaccurate late payments and conflicting account details cause harm to my creditworthiness, violating the FCBAs protections.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531 * The misreporting of payment history and incorrect closure dates constitutes an unfair, deceptive, and abusive act ( XXXX ). 
Demand for Immediate Deletion Due to these serious and multiple violations, I demand the immediate and permanent deletion of this XXXX  account from all three credit bureaus ( XXXX, XXXX, and Equifax ) XXXX 
If this demand is not met within 15 days, I will escalate this matter by : * Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. 
* Pursuing legal action for willful non-compliance under the FCRA, which entitles me to statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. 
* Seeking a court order for removal of this erroneous account. 
This matter is urgent, and I will not tolerate any delays or generic responses. I expect a written confirmation of this accounts deletion within 15 days of receipt of this letter. Failure to act accordingly will result in legal and regulatory consequences. 
Sincerely, XXXX XXXX