Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding discrepancies in my credit reports among the three major credit reporting agencies : XXXX, Experian, and XXXX. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), each credit report is supposed to reflect the same accurate information. However, I have found significant inconsistencies among the reports provided by these agencies.

Which now is affecting my credit score across the board.. 

**Discrepancies Identified : ** XXXX has removed the discrepancies of XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX XXXX by doing so the other 2 credit reporting agencies MUST & I repeat MUST remove them too in order to comply with per.15.us.1681 if nothing is done this time I will have no choice but to take legal federal actions to hold these agencies accountable for not upholding the integrity that has been bestowed upon them BY THE CONSUMERS.. 
While on this topic on my XXXX credit report XXXX XXXX XXXX XXXX was charged off XX/XX/XXXX when something is charged off it becomes income for the credit leander therefore it can not be reported on a consumers credit report as a credit owed, likewise capital credit card it was charged off & sold... 

On Experian the XXXX XXXXXXXX XXXX XXXX  was charged off in XX/XX/XXXX, & the same XXXX XXXX XXXX XXXX  was charged off in XXXX of XXXX Also while the agencies are removing inaccurate information be sure to remove ALL NON-MAILABLE ADDRESSES the ONLY address that should be on my reports is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, the ONLY phone number should be XXXX & the ONLY name should look like this XXXX XXXX any other should be REMOVED OFF of my report **Impact on My Credit : ** My Credit scores are different across the board My XXXX is in the mid XXXX 's while the others are in the low XXXX 's and even in the high XXXX 's which is not acceptable AT ALL this MUST be fixed a.s.a.p. 



**Efforts to Resolve : ** I have already filed XXXX CFPB complaints about these inaccuracies ONLY XXXX have removed the inaccuracies off of my credit, However by doing so the other credit agencies by default MUST REMOVE the same to keep the accuracy of credit reporting between the 3 major credit reporting agencies. 

**Legal Basis : ** - As per 15 U.S.C. 1681, credit reporting agencies are required to ensure the maximum possible accuracy of the information they provide. The discrepancies in my credit reports indicate a failure to comply with this legal requirement. 

**Action Needed To Correct The Matter : ** I request that the CFPB investigate these discrepancies and take appropriate action to ensure that the credit reporting agencies comply with the Fair Credit Reporting Act of Specifically, I request that : 1.All inaccurate information be corrected across all three credit reports.

2. The credit reporting agencies implement measures to prevent such discrepancies in the future.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; 3. I be provided with a copy of the corrected credit reports once the investigation is complete. 

I have attached copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies, as well as any relevant correspondence with the credit reporting agencies and creditors. 

I look forward to your prompt response and resolution. 

Thank you, XXXX XXXX