Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX, am writing to follow up on my previous complaints ( Case Numbers : XXXX, XXXX, and XXXX ) regarding inaccurate information on my credit reports and violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX  and the three major credit reporting agencies ( Equifax, XXXX, and XXXX XXXX. 

Unresolved Issues and New Concerns Inconsistent Reporting : There are still significant discrepancies in how the XXXX XXXX  account is reported across the three major credit bureaus : XXXX : Reports a closed account with a Date Last Active of XX/XX/XXXX XXXX : Reports a closed account with a Date Last Active of XX/XX/XXXX Equifax : Reports an open account with a Date Last Active of XX/XX/XXXX These inconsistencies violate the FCRA 's requirement for accurate and consistent reporting. 

Balance and Status Discrepancies : All three bureaus report a balance of {$9100.00}, which conflicts with the account 's reported closed status on XXXX and XXXX. This raises questions about the accuracy of the information being reported. 

Potential Time-Barred Debt : The account, opened in XXXX, may be beyond the 7-year reporting limit for negative information. Despite this, it continues to be reported as a charge-off, potentially violating the FCRA 's provisions on reporting outdated information. 

Request for Proper Debt Validation I hereby request proper validation of this debt as required by the FDCPA, 15 U.S.C. 1692g. According to the law, the debt collector must provide the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer disputes the validity of the debt within 30 days, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within 30 days that the debt is disputed, the debt collector will obtain verification of the debt or a copy of a judgment and mail a copy of such verification or judgment to the consumer ; A statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Furthermore, I request that XXXX XXXX and the credit reporting agencies provide : A copy of the original signed contract or agreement that created the debt A complete accounting of the debt, including all charges, fees, and interest Documentation showing the chain of ownership if the debt has been sold or transferred Proof that the statute of limitations has not expired on this debt Recent Relevant Lawsuits and Their Connection to My Case CFPB v. Experian ( XX/XX/XXXX ) : The CFPB 's lawsuit against XXXX for conducting " sham investigations '' directly relates to my experience. XXXX 's response to my complaint lacks detail and appears to be a generic response, potentially falling under the " sham investigation '' category. 
Equifax Penalty ( XX/XX/XXXX ) : The {$15.00} XXXX fine imposed on Equifax for improper handling of credit reporting errors is relevant to my case. Equifax 's response to my complaint similarly lacks specificity and fails to address the inconsistencies in reporting across bureaus. 
XXXX XXXX XXXX  XXXX XXXX ( XXXX ) : This Supreme Court case emphasized the importance of concrete harm caused by inaccurate credit reporting. The inconsistencies and potential inaccuracies in my credit reports across all three bureaus demonstrate concrete harm to my creditworthiness and financial opportunities. 

Requested Actions Conduct a thorough investigation into the verification process used by XXXX XXXX and all three credit reporting agencies, ensuring compliance with the FDCPA and FCRA. 
Require XXXX XXXX and the credit reporting agencies to provide documented proof of debt ownership, validation, and the specific steps taken to verify the information, as outlined in the debt validation request above. 
Address the inconsistencies in reporting across the three credit bureaus and ensure accurate, consistent information is reported. 
Investigate potential FCRA violations, including : Failure to follow reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Reporting of potentially outdated negative information ( 1681c ) Failure to properly investigate and correct disputed information ( 1681i ) Consider whether the debt is time-barred and should be removed from my credit reports. 
Impose appropriate penalties on XXXX XXXX and the credit reporting agencies for any confirmed violations of the FCRA and FDCPA. 

I respectfully request that the CFPB take these concerns seriously and investigate these issues thoroughly. The practices described here not only affect my financial well-being but also raise significant questions about systemic issues in credit reporting accuracy and compliance with federal consumer protection laws. Thank you for your attention to this matter.