Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Urgent Dispute and Demand for Immediate Removal of Inaccurate Credit Reporting by XXXX  ( Account Ending in XXXX ) Dear Consumer Financial Protection Bureau, I am writing this letter to strongly dispute the inaccurate, inconsistent, and unauthorized reporting of a XXXX  account ( ending in XXXX ) on my XXXX, XXXX, and XXXX credit reports. After thoroughly reviewing my recent three-bureau ( XXXX ) credit report, I have discovered numerous serious errors and discrepancies that indicate clear violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and the Truth in Lending Act ( TILA ) under 15 U.S.C. 1666 ( b ). 

Upon detailed inspection, this XXXX  account is riddled with inaccuracies across all three credit bureaus. For example : Past Due Amount : XXXX and XXXX report a {$20.00} past-due amount, while XXXX incorrectly reports an {$80.00} past-due balance. 

Last Payment Date : XXXX and XXXX report the last payment date as XX/XX/year>, while XXXX inaccurately lists it as XX/XX/year>. 

Monthly Payment Amount and Payment Summary : There are clear discrepancies in the reported monthly payment and payment summary details among the three bureaus, evidencing significant errors in the reporting process. 

I possess clear photographic evidence ( screenshots ) from my most recent XXXX credit report and bank statements demonstrating these inconsistencies. The conflicting data reported across all three bureaus strongly suggests a severe breach in XXXX responsibility to ensure accurate, fair, and complete credit reporting. 

Further compounding this matter, I was informed by a XXXX  representative and Supervisor named XXXX that this account was " systematically created '' to " clear the old account off charges, '' but this explanation does not resolve the underlying issue. XXXX  systematically created a second closed account ( ending in XXXX ) without my authorization, carrying a reported balance of {$1200.00} and an unexplained credit limit of {$15000.00}. Although this second unauthorized account does not currently appear on my credit reports, its mere existencecreated without my consentis deeply concerning and indicative of XXXX  's negligent handling of consumer data. 

These inaccuracies not only damage my creditworthiness unjustly but also leave me highly susceptible to identity theft and potential fraud. Inaccurate credit reporting directly contributes to identity vulnerability, increasing the risk of financial harm. Given the Credit Bureaus history and previous issues with data breaches, such inconsistencies pose serious threats to my financial safety and overall well-being. 

I remind the CFPB and XXXX  that under the Fair Credit Reporting Act ( FCRA ), all credit bureaus and creditors must ensure information reported about consumers is accurate, complete, and verifiable. Under FCRA ( 15 U.S.C. 1681e ( b ) ), reporting entities are explicitly required to adhere strictly to accuracy. The errors and discrepancies identified represent blatant violations of these legal requirements. 

Moreover, the unauthorized creation of accounts is a violation of consumer protection statutes and the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), which mandates clear and accurate account disclosures and prohibits deceptive practices. The existence of an unauthorized second account ( ending in XXXX ) is inherently deceptive and unlawful. 

Requested Immediate Resolution : Immediate removal of the inaccurately reporting XXXX account ( ending in XXXX ) from all three credit bureaus : XXXX, XXXX, and XXXX. 

An explicit confirmation from XXXX  acknowledging this account has been inaccurately reported and will be permanently removed to correct my credit profile. 

Verification that the unauthorized second account ( ending in XXXX ) is fully closed and will never appear on my credit reports. 

If my request is not addressed with immediate corrective action, I will escalate this issue to involve legal representation. Additionally, I will file formal complaints with the Federal Trade Commission ( FTC ) and relevant state attorneys general, as well as consumer advocacy groups. 

Thank you for addressing this urgent matter swiftly and decisively. I trust the CFPB will handle this dispute with the seriousness it deserves, protecting me as a consumer from ongoing harm and ensuring XXXX is held accountable for these substantial legal violations. 


Affixed : ID, Social Security card, Screenshots of XXXX reports