Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Difficulty Resolving the Issue Despite my repeated attempts, I am writing to formally file a complaint regarding ongoing issues with inaccurate credit reporting by XXXX ( Primarily ) but also XXXX and the lack of appropriate action taken to resolve the matter. The discrepancies in my credit report have resulted in denied credit applications and higher interest rates, causing significant financial hardship. 

Experian/Equifax/TransUnion : Are only reporting negative items on my credit report while omitting all positive payments and accounts. Since XXXX of XXXX I have been contacting all three bureaus to not only update my positive accounts but also correct in accurate information on my reports, significantly impacting my credit and livelihood. 

Specifically, there are incorrect entries on my credit report that I have disputed on multiple occasions, with no resolution to date. I have submitted all necessary documentation to support my claims, yet the inaccurate information remains on my report. Each time I attempt to address this issue with Experian/Equifax/Transunion, I encounter significant barriers, including long wait times, unhelpful automated systems, and difficulty in reaching a live representative to discuss the matter. This has further delayed any attempt to resolve the inaccuracies. On several occasions, I have requested callbacks from managers and supervisors to assist with my inaccurate data and no one has returned my calls. 

The lack of access to a human representative and the inability to directly address my concerns has been frustrating and unprofessional. As a result, my credit score has been negatively impacted, leading to denied credit applications and being offered loans at higher interest ratesissues that would not have occurred had the errors been corrected promptly. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that XXXX takes immediate action to : Correct the inaccurate information on my credit report. 
Provide clear and direct access to a live representative who can help resolve the issue promptly. 
Implement improvements to their customer service processes to ensure other consumers do not experience similar difficulties. 
I appreciate your attention to this matter and look forward to a swift resolution. Please confirm receipt of this complaint and provide an update on any actions taken. 

Positive Accounts Omitted include : XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX Authorized User - {$30000.00} XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX : Payments are still being made on a closed car loan from XXXX Paid off in XXXX. This needs to be removed. 

Due to this inaccurate reporting and what seems to be an intentional derailment of positive accounts and payments. I am seeking damages caused by all three credit bureaus from XX/XX/XXXX until XX/XX/XXXX. 


The following names should also be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Sincerely, XXXX XXXX