Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of inaccurate information reported by XXXX XXXX XXXX  on my credit report under account numbers XXXX and XXXX. This complaint outlines the persistent failure by XXXX XXXX to accurately report my payment history, and the subsequent violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated efforts to have this matter rectified, including multiple disputes filed with the credit reporting agencies, XXXX XXXX has failed to correct these errors. These late payments reported are demonstrably false, as I have substantial evidence ( attached ) showing that all payments were made on time. This inaccurate reporting has negatively impacted my credit standing, and I demand immediate corrective action as follows : 1. Immediate Removal of Inaccurate Information : Under the FCRA, 15 U.S.C. 1681s-2 ( a ), it is your duty as a data furnisher to provide accurate and complete information. Reporting late payments that did not occur is a clear violation of this statute, and I demand that these inaccuracies be removed from my credit reports with all three major credit bureaus immediately.

2. Failure to Investigate Disputes : Per FCRA, 15 U.S.C. 1681i, the credit reporting agencies and XXXX XXXX XXXX are required to conduct a reasonable investigation upon receiving a dispute. Your failure to remove these inaccurate entries, despite my numerous disputes, constitutes a violation of this section. The fact that this error has persisted suggests a lack of diligence in reviewing my disputes.

3. Failure to Update or Correct Information : As per FCRA, 15 U.S.C. 1681s-2 ( b ), upon being notified of a dispute, XXXX XXXX XXXX XXXX or update inaccurate information. It is clear that you have neglected this responsibility.

4. Violation of the Fair Debt Collection Practices Act : Under the FDCPA, 15 U.S.C. 1692e ( 8 ), it is illegal to report false credit information, including failure to communicate that a debt is disputed. Given that I have disputed this matter numerous times, your continued reporting of this erroneous information constitutes deceptive practices under the FDCPA.

5. Damages and Compensation : As a direct result of your continued failure to correct these inaccuracies, I have experienced significant harm to my credit score, which has caused me to be denied financial opportunities. I am demanding financial compensation for the damage to my credit, time wasted, and emotional distress caused by this mishandling of my account.

6. Notification of Legal Action : I have already consulted with legal counsel regarding this matter. If these inaccuracies are not corrected and removed from my credit report within 10 days, I will be moving forward with legal action for violations of both the FCRA and FDCPA. My attorney will pursue damages to the fullest extent allowed by law, including statutory and punitive damages.

I have enclosed copies of the evidence that clearly demonstrates my payments were made on time. If XXXX XXXX XXXX  continues to fail to address these inaccuracies, I will escalate this matter to all relevant consumer protection agencies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. 

I expect a prompt and appropriate response within 10 days of receipt of this letter. Failure to comply will result in immediate legal action.