Product: Credit reporting or other personal consumer reports

I RE : Request for Review of Inaccuracies and Discrepancies in Credit Report Including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute several discrepancies in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I believe my rights have been violated under the following sections : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A ( 2 ) : Consumer reporting agencies can not furnish an account without my written instructions. 

Additionally, the following statutes apply to my case : 1. 15 U.S.C. 1681i ( Dispute Resolution ) : The credit reporting agency must investigate and correct inaccuracies within 30 days. Failure to do so is a violation.

2. 15 U.S.C. 1681e ( b ) ( Accuracy of Information ) : The CRA must use reasonable procedures to ensure maximum possible accuracy, and outdated or inaccurate information must be removed.

3. 15 U.S.C. 1681c ( Obsolete Information ) : Accounts sent to collections after 7 years or bankruptcies older than 10 years should no longer appear on my report.

4. 15 U.S.C. 1681b ( Permissible Purposes ) : Access to my credit report must be for permissible purposes only, and a violation occurs if my report is accessed without valid authorization. 

Additionally, Convergent ( Debt Collector ) has violated the Fair Debt Collection Practices Act ( FDCPA ) due to the following : False or inaccurate reporting of debts. 

Failure to mark debts as disputed. 

Harassment or aggressive collection practices. 

Failure to validate debts upon request before continuing collection efforts or reporting. 

Discrepancies in My Report : XXXX. XXXX XXXX : Regular monthly payments have been made since XX/XX/year>, but this loan is not reflected in my report. 

XXXXXXXX XXXX XXXX : Despite consistent payments since 2023, these loans are missing from my report. 

XXXX. XXXX Paid Accounts : The on-time payment history is not accurately displayed. 

XXXX. XXXX XXXX Account : The on-time payment history is inaccurate. 

XXXX. XXXXXXXX XXXX XXXX : My on-time payments for this credit card are not being reflected in my credit report, despite being made on time. 

Fair Resolution Requested : 1. Update the XXXX XXXX : Ensure that my regular monthly payments since XX/XX/year> are accurately reflected in my report. 

2. Add the Affirm Loans : Reflect the loans that have been consistently paid since 2023 on my credit report.

3. Correct the Spectrum and Progressive Payment History : Correct the payment history for both my Spectrum and Progressive accounts to accurately display on-time payments.

4. Add the XXXX XXXX XXXX  : Ensure the XXXXXXXX XXXX XXXX is accurately reflected on my report, including my on-time payment history. 

5. Remove Obsolete Information : Ensure any accounts that are more than 7 years old are removed from my credit report, as required by law.

Once these discrepancies are resolved, I kindly request written confirmation that my credit report has been updated and that the changes are reflected across all three credit bureaus ( XXXX, TransUnion, and XXXX ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the necessary corrections will be made. 

Best regards, XXXX XXXX XXXX XXXX XXXX