Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against XXXX XXXX XXXX and Credit Bureaus for Re-Aging My Credit Report and Multiple Violations To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and the credit bureaus ( Experian, XXXX, and XXXX ) for multiple violations related to the improper reporting of a debt that has been incorrectly attributed to me. Specifically, XXXX XXXX XXXX has re-aged my credit report, failed to validate the debt within the legally required 30-day period, and engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Key Violations and Issues : Re-Aging of Account Removal Date : XXXX XXXX XXXX has incorrectly reported the removal date of the alleged debt as XX/XX/XXXX, despite the bill of sale indicating that the account should only be reported until XX/XX/XXXX. This constitutes illegal re-aging of the account. 

Failure to Provide 30-Day Debt Validation : XXXX XXXX XXXX XXXX XXXX send the legally required 30-day debt validation notice after my formal request. Without this validation, they have no legal right to continue reporting this debt under my name.

Inconsistent Reporting of Account Opening Date : The account opening date is inconsistently reported across credit bureaus : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX and Experian ) Incorrect Classification of Account Type : XXXX has listed this account as an " Open Account, '' which is inaccurate and misleading for a collection account. 

Misleading Information about Original Creditor : The account is incorrectly listed as " Collection ( Original Creditor : COLLECTION ), '' failing to identify XXXXXXXX XXXX XXXX  as the original creditor. 

Inconsistent Payment Status Reporting : Payment status is reported as : " Late 120 Days '' by XXXX " Collection/Chargeoff '' by XXXX and Experian Incorrect Reporting of Monthly Payment : The monthly payment is listed as {$0.00}, which is inconsistent with the accounts classification as an " Open Account. '' Inconsistent Reporting of Balance and Past Due Amounts : The balance is consistently reported as {$740.00}, but past due amounts are inconsistently reported or omitted entirely.

Inconsistent Reporting of Last Payment and Last Active Dates : The date last active and date of last payment are inconsistently reported : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX and Experian ) Incorrect Reporting of Number of Months/Terms : The number of months or terms is either inconsistently reported or not reported at all across the different bureaus. 

Misleading Reporting of Payment Status History : The payment history includes misleading entries, such as " OK '' under XXXX for XX/XX/XXXX, which is inaccurate for a collection account. 

Lack of Detailed Comments or Explanations : There is a lack of detailed comments or explanations, particularly on XXXX, leading to confusion and inaccurate reporting. 

Possible Misattribution Due to Common Name : There are many individuals with the same name as mine, and it appears that this debt has been incorrectly attributed to me without sufficient verification.

Request for Fair Resolution : To resolve these issues fairly and promptly, I am requesting the following actions : Immediate Deletion of the XXXX XXXX XXXX XXXX : Due to the illegal re-aging of the account, failure to validate the debt, and multiple reporting inaccuracies, the XXXX XXXX XXXX XXXX should be permanently deleted from all of my credit reports. 

Correction of All Inaccurate Information : The credit bureaus must correct all inaccurate information related to this account, ensuring that all details such as the account opening date, account type, payment status, and removal date are accurate and consistent. 

Cease All Collection Activities : XXXX XXXX XXXX must immediately cease all collection activities related to this account, as they have not provided the legally required debt validation and have wrongfully attributed this debt to me. 

Provision of Documentation : Both XXXX XXXX XXXX and the credit bureaus should provide documentation verifying that the information on my credit reports is now accurate and that any necessary corrections or deletions have been made. 

Conclusion : XXXX XXXX XXXX and the credit bureaus have engaged in multiple violations that have caused significant harm to my credit profile and financial well-being. I request that the CFPB take swift action to address these issues and ensure that all necessary corrections are made to my credit reports. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX