Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX ( XXXX ) - Violation of FCRA Company : XXXX XXXX XXXX XXXX Account Number : XXXX I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for inaccurately reporting my payment history and failing to ensure the accuracy of my consumer report, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ).

Nature of the Dispute : My payment history was incorrectly updated, showing inconsistent information : Previously Reported : XX/XX/year> : 30 Days Late XX/XX/year> : 60 Days Late Updated Report ( Contradictory Change ) : XX/XX/year> : Current ( Paid on time ) XX/XX/year> : 30 Days Late This update does not logically alignif XXXX was late before but is now " Current, '' then XXXX should not still be 30 days late. This is clear evidence that XXXX reporting contains errors or is being manipulated improperly, which is harming my creditworthiness. 

Additionally, this account was closed and later updated incorrectly, which resulted in an immediate XXXXpoint drop in my credit score due to this reporting error. This caused further financial hardship and has severely impacted my ability to access credit and financial opportunities.

The 5 Worst Ways This Error Has Ruined My Life : I Lost My Home Due to This Error I was in the process of securing a mortgage for my family, but when the lender saw these late payments on my credit report, my loan was denied. As a result, I lost the house I was under contract for, and my family was forced into an unstable living situation. We had to move into a temporary rental, which is far more expensive, and my family is still struggling because of this. 
I Was Denied a Job That Would Have Changed My Life I had a high-paying job offer in finance that required a clean credit history. Due to this error, my background check flagged my credit as high-risk, and the employer rescinded the offer, costing me a career opportunity that would have drastically improved my financial stability. 
I Was Wrongfully Sent to Collections and Harassed Because of this reporting error, I was wrongfully contacted by debt collectors. They called me day and night, harassing me, threatening legal action, and treating me like I was some criminal over a debt I didnt even owe. This caused extreme stress, XXXX, and sleepless nights, affecting both my physical and mental health. 
I Had My Car Repossessed and Lost Transportation I was financing a vehicle that I needed for work, but when my lender saw these false late payments, they increased my interest rate and demanded a higher payment that I couldnt afford at the time. As a result, my car was repossessed, leaving me without transportation, which made it even harder to keep up with my financial obligations. 
My Credit Score Was Destroyed, Ruining My Financial Future Before this error, I had excellent credit and was in good financial standing. Because of this inaccurate reporting, my credit score dropped over XXXX points, making it nearly impossible to qualify for loans, apartments, or even basic financial services. This has completely destroyed my ability to move forward financially, and I am being treated as if I am financially irresponsible when in reality, I am a victim of XXXX XXXX XXXX XXXX gross negligence and failure to report accurate data. 
FCRA Violations Committed by XXXX : Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit furnishers must ensure the accuracy and completeness of data reported to credit bureaus. The contradictions in my payment history demonstrate negligence or improper updates.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ) I have disputed this with XXXX, yet they have not provided a legitimate explanation or corrected the issue properly. 
Reinsertion of Incorrect Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) It appears that XXXX modified but failed to fully correct my account history, which is illegal under FCRA. 
Resolution Sought : Immediate correction of my payment history to reflect accurate, consistent information across all credit bureaus ( XXXX, XXXX, and TransUnion ). 
A full investigation into how my account history was updated inconsistently.

Monetary compensation for damages caused by this incorrect reporting, as it has negatively impacted my credit standing. 
Confirmation in writing that the correction has been made and reported to all bureaus. 
I have attached screenshot evidence from my financial assistant account proving the inconsistency.

Supporting Documents Attached : Screenshot of XXXX payment history update showing contradictions.