Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX XXXX XXXX  XXXX Account ( XXXX XXXX XXXX XXXX XXXXXXXX Account ( XXXX ) XXXX. XXXX Account XXXX XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account ( XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : XXXX XXXX XXXX XXXXXXXX Account ( XXXX ) Documented Inconsistencies : 1. Payment History Discrepancies : o Experian : Reports multiple 90-day late payments o XXXX : Shows " Paid or paying as agreed '' o XXXX : Reports " Pays account as agreed '' 2. Consumer Statement : " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE '' Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 607 ( b ) of FCRA [ 15 U.S.C. 1681e ( b ) ] : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Violation : Contradictory payment histories across bureaus 4. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : " A person who furnishes information to a consumer reporting agency shall promptly notify the agency of any determination that information provided is not complete or accurate, and provide corrections. '' Violation : Failed to maintain consistent reporting across bureaus 5. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Violation : Reporting inconsistent payment histories despite negotiated payment arrangement 6. Section 623 ( a ) ( 3 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] : " If disputed by consumer, furnisher must indicate account is disputed. '' Violation : No dispute indicator despite consumer statement 7. CFPB Regulation V, 12 CFR 1022.42 ( a ) : Furnishers must establish and implement reasonable policies regarding accuracy XXXX. XXXX XXXX Account ( XXXX ) Documented Inconsistencies : 1. Late Payment Reporting : o Experian : Shows 30-60-90 day late payments o XXXX : Notes " dispute resolved; consumer disagrees '' o XXXX : Reports " Pays account as agreed '' 2. Account Status Discrepancies : o Different closure reasons reported Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 611 of FCRA [ 15 U.S.C. 1681i ] : " In case of dispute, each CRA must conduct a reasonable reinvestigation to determine accuracy. '' Violation : Inconsistent dispute resolution outcomes 4. Section 623 ( a ) ( 3 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] : " If disputed by consumer,
furnisher must indicate account is disputed. '' Violation : Not all bureaus show dispute indicator 5. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update accurate status across all bureaus 6. CFPB Regulation V, 12 CFR 1022.42 ( a ) : " Furnishers must establish reasonable policies regarding accuracy. '' Violation : Inconsistent reporting of dispute outcomes XXXX. XXXX Accounts ( XXXX ) [ XXXX & XXXX ] Documented Inconsistencies : 1. Account XXXX XXXXXXXX : o Experian : Shows consistent XXXX lates o XXXX : XXXX Account information disputed '' o XXXX : XXXX Too new to rate '' 2. Account XXXX XXXX : o Multiple payment status discrepancies o Inconsistent reporting of late payments Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB XXXX XXXX : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX ) Inconsistencies Found : Different company names for same account Inconsistent charge-off reporting Different settlement status reporting Applicable Laws & Violations : 1. FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ] : Requirements for furnishing information after settlement Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update account information consistently after company name change 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 5. CFPB XXXX XXXX : " Requirements for furnishing accurate information after debt settlement. '' Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 6. FTC XXXX XXXX ( b ) XXXX : Accuracy in reporting account transfers/acquisitions Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 5. XXXX XXXX  Account ( XXXX ) Documented Inconsistencies : 1. Different Credit Limits : o Varying amounts across bureaus 2. Inconsistent Closure Dates 3. Different Payment Histories Applicable Laws & Violations : 1. Section 607 ( b ) of FCRA [ 15 U.S.C. 1681e ( b ) ] : Violation : Failure to maintain accurate credit limits 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update closure information consistently 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of account terms 5. CFPB Regulation V, 12 CFR 1022.41 : Violation : Inconsistent reporting of fundamental account terms XXXX. FTC XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX : Accuracy of account terms Violation : Inconsistent reporting of fundamental account terms