Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX, Equifax, and XXXX Regarding Credit Report Discrepancies : I am writing to formally lodge a complaint against XXXX XXXX XXXX, XXXX, Equifax, and XXXX regarding numerous discrepancies in my credit reports, which are causing significant and unjustified harm to my credit score and financial standing. 

Details of the Account in Question : Account Name : XXXX XXXX XXXX Account Type : Credit Card Credit Limit : {$500.00} Balance : {$0.00} Last Updated ( Equifax ) : XX/XX/XXXX Last Updated ( XXXX ) : XX/XX/XXXX Discrepancies Identified : Last Updated Date : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Issue : The significant difference in the " last updated '' dates between Equifax and XXXX, and the lack of reporting by XXXX, indicate a failure to maintain accurate and current information as required by the Fair Credit Reporting Act ( FCRA ). 

2-Year Payment History : XXXX Payment History : Both Equifax and XXXX report all months as " Not Reported ( NR ), '' which is inconsistent with my actual payment history. 
XXXX Payment History : XXXX : Reports a mix of OK and 90-day late marks. 
Equifax : Reports all months as XXXX. 
XXXX XXXX XXXX : XXXX : Reports a mix of OK and 90-day late marks. 
Equifax : Reports all months as XXXX. 
Issue : The discrepancies between the detailed records of XXXX and the lack of reporting by Equifax violate the FCRAs requirement for data furnishers to provide complete and accurate information. 

Older Derogatory Events : 30 Days Late : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : Not reported 60 Days Late : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : Not reported 90 Days Late : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : Not reported Issue : The inconsistent reporting of late payments between Equifax and XXXX, result in a misleading and inaccurate portrayal of my creditworthiness, in violation of the FCRA. 
Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : The FCRA mandates that credit reporting agencies maintain and report accurate and complete information. The discrepancies in my credit reports are clear violations of this law.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : The inaccurate reporting and handling of my credit information could potentially be considered deceptive and unfair practices under the FDCPA. 
Resolution Demanded : Given the numerous and significant inaccuracies identified, I demand the following actions : Immediate Deletion of the XXXX XXXX XXXX Account : Due to the persistent inaccuracies and the failure of Equifax and XXXX to report consistent and accurate information, I request that this account be permanently deleted from all my credit reports. 
Notification of Deletion : Written confirmation from XXXX, XXXX, Equifax, and XXXX that the account has been deleted from my credit reports. 
Correction of Inaccuracies : A thorough review of my entire credit report to ensure there are no other inaccuracies or discrepancies. 
These actions are necessary to ensure that my credit report accurately reflects my credit history and to prevent further harm to my financial reputation. 

I appreciate your prompt attention to this matter and look forward to your swift resolution of this complaint. Should you require any additional information, please do not hesitate to contact me. 

Thank you for your assistance.