Product: Credit reporting or other personal consumer reports

Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX Set XXXX XXXX WA XXXX Consumer Financial Protection Bureau Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  Formal Complaint of Fraudulent Operating Practices and Request for Compliance Audit : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter documents the circumstances surrounding my credit profile and provides written explanation to my assertions that XXXX XXXX  has engaged in Fraudulent Conduct. XXXX XXXX  Unlawfully Misrepresented Accounting Records related to Internal Revenue Written-Off Debt to conceal Illegally Falsified Records of Collection Accounts Transactions with XXXX XXXX deception and ultimate motivation for violating State and Federal Law IS solely to prevent accurate credit reporting. 


FCRA Violations : XXXX XXXX, XXXX, TRANSUNION, XXXX * The credit reporting agency is reporting a debt as charged-off when it was paid off or settled in the past. Charge-Offs Reported XX/XX/XXXX XXXX * The credit reporting agency is flagging late payments when your payments are timely. Late Payment Reported XX/XX/XXXX ; XX/XX/XXXX credit report reflects closed in XX/XX/XXXX per agreement. {$440.00} is the satisfied NOT remaining amount. 

* The credit reporting agency failed to report a discharged debt in bankruptcy. XXXX XXXX XXXX XXXX included XXXX XXXX  and {$440.00} satisfied debt is now discharged The FCRA allows for consumers to detect errors in their credit reports and file complaints. General violations of the FCRA include : * Failing to update records * Failing to follow guidelines for settling disputes * Pulling your report for an impermissible purpose * Failing to send a notice about your credit report or score violates the FCRA * Reporting a closed account as active * Creditors disclosing inaccurate financial information about you to reporting agencies On XX/XX/XXXX, my account was opened with XXXX XXXX for {$1500.00}. The purpose for obtaining the loan was to assist me with additional costs related to my sons XXXX XXXX The contractual obligation for the entirety of the loan was {$2600.00}. Per my agreement, I was to pay {$130.00} on a bi-weekly basis. I successfully paid the first payment of {$130.00} on XXXX XXXX. 

Immediately following payment on XX/XX/XXXX, I was alerted through my account portal no portion of payment was applied to the principal. XXXX XXXX did not provide me a TIL stating the initial payments would not encumber allocation to principal. I requested that the payment details be updated to reflect the contractual agreement of every payment made would apply a portion to principal. XXXX XXXX refused. On XXXX XXXX, I entered into a Debt Relief Program with XXXX XXXX. On XX/XX/XXXX OPP Loans was notified and negotiations and verification of debt commenced. 

On XX/XX/XXXX my owing balance was {$1900.00}. XXXX XXXX agreed to a settlement of {$1600.00}, new contractual payment terms, and provided all said payments were successful under new agreement my account would be deemed Satisfied. See attached supplementary documents. A payment of {$50.00} was tendered per renegotiated agreement on XX/XX/XXXX. XX/XX/XXXX, due to the XXXX XXXX, all communication related to payment disbursement was delayed ; however XXXX XXXX assured me and it was my belief I was protected under the Credit Protections of the XXXX CARES Act. 

All subsequent payments of {$320.00} from XXXX XXXX XX/XX/XXXX & {$320.00} XX/XX/XXXX were satisfied under renegotiated contract. I successfully paid off XXXX XXXX on XX/XX/XXXX for a settlement amount of {$1600.00}. This account was closed on XX/XX/XXXX. 

XXXX XXXX  has not reported my credit profile accurate furnishings, despite numerous attempts to dispute and requests evidence be disclosed to me of falsely claimed information supplied to XXXX, XXXX, Transunion, and XXXX. I have launched complaints against XXXX XXXX with the XXXX. See attached Full Complaint Details. XXXX XXXX  acknowledged renegotiated contracts and all payments fulfilled however continued to report inaccuracies. 

My credit profile should reflect a 30 day -late in XX/XX/XXXX, on-time payments XXXX XXXX XX/XX/XXXX, and account closed XXXX XXXX XXXX 

I have disputed with XXXX, Transunion and XXXX numerous times, each time CRA failed to investigate the attached supporting documentation I provided and subsequently verified as reporting accurate. 

Under 11 U.S.C 524 ( c ), ( f ) Creditors can not collect discharged debts.This order means that no one may make any attempt to collect a discharged debt from the debtors personally. For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors can not contact the debtors by mail, phone, or otherwise in any attempt to collect the debt personally. 

Consumer requests the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX  and XXXX Consumer Affairs launch a thorough investigation of XXXX XXXX accounting and credit reporting records. The evidence attached demonstrates a substantial amount of unlawful conduct by XXXX XXXX 

Thank you,