Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries both civil and criminal penalties. 

My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been egregiously violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. XXXX XXXX, along with its business associates, TRANSUNION, XXXX, and XXXX do this anyways as an elaborate scheme to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that is my right and regulated under Federal law! I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility with respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. There are flagrant mistakes on my report as shown in the attachments provided, showing XXXX XXXX has reported to XXXX PAID AS AGREED for payment history yet shows account status as charged off. It is IMPOSSIBLE to have a charged-off account with perfect payment history! This very clearly shows that the consumer reporting agencies have not completed a thorough investigation as they have claimed, and not only have they shown bias towards me, but they also can not be trusted nor relied upon to furnish accurate information. I never gave my lawful authority to any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, and Transunion ), these CRAs will literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard-earned money even during a worldwide pandemic and crisis, through fraudulent practices and not only is this actual extortion, but this also appears to be racketeering and I intend to file a criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent. And as mentioned in numerous previous correspondences with the corporations, if we proceed to court, I'm aware that an out-of-court statement of another person 's words by a witness, made in court, to prove the truth of the matter asserted is considered hearsay and is not allowed in the court of law. These out-of-court statements do not have to be spoken words, but they can also constitute documents that the attorneys of these corporations will try to use as documentary evidence to justify their client 's fraudulent activity.