Product: Credit reporting or other personal consumer reports

To whom it may concern regarding my complaint, I wrote to XXXX, XXXX, and Transunion back in XXXX of 2023 to correct my credit report in accordance with 15 U.S. Code 1681b- Permissible purpose of consumer reports- Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instructions of the consumer to whom it relates. Though each company did address some of the matters in my letter. There are some inaccuracies that remain in my consumer report that were not addressed per the instructions I sent. This includes the reporting of adverse information excluded by law in my consumer report.

15 U.S. Code 1681- Congressional findings permeate the need to protect the rights to privacy of I the consumer. The term consumer report means any written, oral, or other communication of info by consumer reporting agency bearing on consumer 's credit worthiness, credit standing, credit capacity, character, general capacity, general reputation, personal characteristics or mode of living. There is also an exclusion, ' 15 U.S code 1681a ( 2 ) ( i ) report containing solely as to transactions or experience between consumer and the person making the report. This includes the credit utilization, payment history, and any status reflecting an adverse item of information on the report per 15 USC 1681c ( a ) ( 5 ) Furthermore, per the IRS Publication 4681, a charge off is considered a certificate of indebtedness which makes it income. Income can not be furnished on my consumer report and must be deleted. The charge offs reported are considered adverse items of information in my report as well. This is inaccurate reporting that has caused substantial emotional and financial harm, affecting my ability to obtain credit and secure favorable or even reasonable interest rates and terms. This is damaging my financial progress.

15 U.S. Code 1681e ( b ) states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore 15 U.S. Code 1681 ( b ) speaks to the relevancy of information on a consumer report and the obligation you must report accurate information.

I am requesting that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, accuracy and respect my right to privacy. This can be accomplished by removing the excluded items by law from my consumer report such as the income labeled as charge offs and, the transaction history and experiences reported as credit utilization on my revolving accounts. This is to be done for all past, present, and future accounts. 

- Accounts showing Credit Utilization - XXXX  XXXX / XXXX XXXX - Charged off Accounts XXXX  XXXX / XXXX  XXXX XXXX XXXX  XXXX XXXX Please Note : The reporting of these adverse items of information has hindered my ability to obtain credit and the necessities for my household including damaging my financial progress and future. I have been denied credit on multiple occasions due to this reporting of excluded income. With all that said, I am just requesting these items be updated to Paid as Agreed and protect my privacy. 
Thank you for your prompt assistance with this matter. Please be advised that a failure to comply may subject you to claims filed for punitive and compensative damages under Civil