Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] by Experian, Equifax, and TransUnion, as well as specific furnishers. The following actions must be taken immediately to ensure compliance with federal consumer protection laws. 

1. Immediate Deletion of XXXX XXXX Accounts I have already successfully deleted the following XXXX XXXX accounts, yet they continue to be reported : XXXXXXXX XXXX ( Account # XXXX & XXXX ) ** This is a violation of FCRA 611 ( a ) and FCRA 1681s-2, which prohibit the reappearance of previously deleted accounts. Since these accounts are no longer valid, they must be permanently removed across all credit bureaus. 

2. Removal of XXXX XXXX XXXX Account ( # XXXX ) Due to Active Litigation** The XXXX XXXX XXXX account is currently involved in litigation, making any reporting improper under FCRA 605 ( b ) and 611 ( a ) ( 1 ) ( A ). 

This account also reports inaccurate late payments ( XXXXXXXX XXXX past due ) while under litigation, which violates the FCRAs accuracy standards. Since accounts under active legal disputes should not be negatively reported, I demand immediate removal of this account from my credit reports. 

3. Deletion of Inconsistent and Inaccurate Accounts The following accounts contain reporting errors and must be corrected or deleted under FCRA 1681i : XXXX XXXX XXXX ( Account # XXXX ) ** Reported as a charge-off on Experian but as paid on TransUnion/Equifax. 
XXXX XXXX XXXX XXXX Account ( Account # XXXX ) ** No debt validation has been provided, violating FDCPA 809 ( b ). 
XXXX XXXXXXXX XXXX ( Account # XXXX & XXXX ) ** Marked as dispute resolved, customer disagrees, which is misleading. If the dispute is unresolved, it must not be marked as verified. 
These inconsistencies violate FCRA 1681e ( b ) ( credit bureaus must ensure maximum accuracy ). I demand an immediate investigation and correction of these errors. 

4. Removal of 11 Unauthorized Hard Inquiries The following XXXX hard inquiries were made without my express consent, violating FCRA 604 : XXXX XX/XX/XXXX ( Experian ) XXXX XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Experian ) XXXX XXXX XX/XX/XXXX XXXX TransUnion ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) According to FCRA 604 ( c ), hard inquiries require my direct authorization. Since I did not authorize these inquiries, I demand their immediate removal from my credit reports. 

Requested Actions Permanently delete the XXXX XXXX accounts from all credit bureaus. 
Remove the XXXX XXXX XXXX account due to pending litigation. 
Correct or delete all inconsistent and inaccurate accounts listed above. 
Remove all XXXX unauthorized hard inquiries immediately. 
Provide written confirmation within 30 days, as required under FCRA 611 ( a ) ( 1 ) ( A ). 
If these violations are not corrected, I will escalate my complaint to the Federal Trade Commission ( FTC ), the State Attorney General, and pursue legal action for willful non-compliance under FCRA and FDCPA. 

Thank you for your immediate attention to this matter. Please provide updates in writing. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX