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

I am writing to file a formal complaint against XXXX XXXX XXXX, a company that finances/leases appliances. I have encountered a distressing situation that has caused significant financial strain and has disrupted my ongoing mortgage refinance process due to inaccurate credit reporting by this company. 

Account Information : Account Name : XXXX XXXX Account Number : Unknown Balance : {$0.00} Over the last 90 days, XXXX XXXX XXXX has been reporting false and damaging information about my paid-off account. This erroneous reporting has resulted in a drastic reduction of over XXXX points in my credit scores, directly impacting my ability to complete a mortgage refinance that was in progress. As a consequence of this sudden credit score decline, my mortgage refinance process has come to a halt, which has in turn caused me substantial financial hardship. 

The inaccurate credit reporting has caused even more severe consequences beyond the credit score decrease. I have been assessed default fees totaling {$35000.00} by my current mortgage lienholder, in addition to legal fees exceeding {$18000.00}. These fees have accrued due to the negative impact on my creditworthiness, which has breached the terms of my mortgage agreement and led to these financial penalties. 



I have made diligent efforts to address this issue with XXXX XXXX XXXX. I have reached out to them multiple times through both phone calls and emails, providing evidence of the account being fully paid off and requesting immediate correction of the inaccurate reporting. Unfortunately, their responses have been unresponsive and disorganized. During my interactions, they seemed confused, even referring to previous closed accounts that were also paid in full. This lack of attention to detail and negligence has compounded the negative effects on my financial situation. XXXX XXXX sold this debt and now there is a collection agency attempting to make this worse. 

I believe that XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting information and failing to correct these errors in a timely manner. Their actions have caused substantial financial distress, jeopardizing my mortgage refinance process and leading to significant financial penalties. 

I am seeking assistance from the Consumer Financial Protection Bureau to address this situation promptly and effectively. I kindly request that you investigate this matter, ensuring that XXXX XXXX XXXX corrects the inaccurate reporting, rectifies the damage caused to my credit scores, and compensates me for the financial losses incurred as a result of their negligence and violations of FCRA. 

Enclosed with this letter, please find copies of relevant documents, including proof of the paid-off account, correspondence with XXXX XXXX XXXX XXXX and evidence of the negative financial impact. I am more than willing to provide any further information or documentation that may be required to support this complaint. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this situation and prevent similar occurrences for other consumers. 

Sincerely, XXXX XXXX