Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against the three major credit bureausEquifax, Experian, and TransUniondue to multiple inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ). The incorrect reporting has significantly impacted my credit score, preventing me from obtaining credit. Below, I outline the specific inaccuracies and my demand for immediate corrective action.

1. Inaccurate and Inconsistent Personal Information All three credit bureaus have different and incorrect addresses listed on my credit profile. This is a clear violation of FCRA Section 609 ( a ) ( 1 ), which mandates that consumer reporting agencies maintain accurate records.

2. Incorrect Debt Balances The reported balances on my debts are inconsistent across all three bureaus, creating an inaccurate representation of my financial status. Under FCRA Section 1681s-2 ( a ) ( 1 ), information providers are required to furnish only accurate data. I demand immediate correction of these errors.

3. Unauthorized and Inaccurate Hard Inquiries ( Experian ) There are six hard inquiries on my Experian report that I did not authorize. Under FCRA Section 604 ( a ) ( 2 ), a consumer reporting agency can only provide my report for permissible purposes. Since I did not give written consent for these inquiries, I demand their immediate removal. 

4. Inaccurate Late Payment Reports XXXX XXXX XX/XX/XXXX : Incorrectly reporting late payments that should be removed. 

XXXX XXXX ( XXXX XX/XX/XXXX : Inaccurate late payment reports that should be deleted. 

XXXX XXXX XX/XX/XXXX : Late payment records that I dispute and request removal. 

FCRA Section 611 ( a ) ( 1 ) states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. These late payments are harming my credit score and must be rectified immediately. 

5. Incorrect Charge-Off Status ( XXXX XXXX XXXX XXXX My XXXX account is incorrectly reported as a charge-off. Under FCRA Section 1681s-2 ( a ), furnishers must ensure the accuracy of information provided to credit bureaus. This charge-off status is inaccurate and must be removed. 

6. Unlawful Medical Debt Collection ( XXXX & XXXXXX/XX/XXXX / Original Creditor : XXXX XXXX XXXX XXXX XXXX ) A medical collection account was sold to a third party without my consent. Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), personal financial and medical records must be handled with strict confidentiality. This unauthorized transfer of my debt violates my privacy rights, and I demand its immediate removal.

Legal Basis for My Complaint FCRA Section 604 ( a ) ( 2 ) : Credit bureaus must obtain my consent before sharing my report.

FCRA Section 6802 ( b ) ( c ) : I was not informed of my right to opt-out of information sharing with third parties.

FCRA Section 611 ( a ) ( 5 ) : Negative information older than seven years must be removed.

FCRA Section 1681s-2 ( a ) ( 1 ) : Creditors can not report inaccurate information.

Privacy Act of 1974 : My financial and medical records have been mishandled.

FERPA ( 20 USC 1232g ( b ) ) : My student loan information should be protected under federal law.