Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing you today to explain some very bizarre things that are happening to me. Number one I can not even access my XXXX credit report! I use apps such as credit karma as well as identity IQ, and have order my XXXX bureaus report however I am unable to view it on both apps and services. All bureaus are reporting information that is much different than credit bureaus XXXX and Experian. I even called XXXX as they have requested me to and I was on hold for XXXX hour and I couldn't even get a hold of a rep .... If i can not even access my creditor report and disputing information on XXXX based on my months old previous credit report than how is it likely that XXXX can conduct a reasonable investigation especially when trying to dispute information by phone ends up no different? This is a violation of Section XXXX ( a ) My Name and addresses are reporting inaccurately! My Name and address should only be reported as : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not want any other address or variation of this name or alias to be reported on my credit report. I have requested this from the bureaus XXXX, XXXX, and Experian and I have had no success. 

There are Accounts that are inaccurate and upon disputing these accounts the credit bureaus have not conducted a reasonable investigation as when I disputed these accounts online and other means, immediately the next day items came back verified with no changes. I believe that this is a the use of their lousy XXXX XXXX  to XXXX response that is not only inaccurate way to investigation dispute but also not fair. I will list the items on my credit report that need to be removed : XXXX XXXX On XXXX the XXXX is reporting the account was opened on XX/XX/XXXX, on Experian the creditor is reporting the account was opened on XX/XX/XXXX. I Am in process of refinancing my XXXX XXXX dollar mortgage that is severely costing me lots of unfair interest and as I asked my loan provider that if i can prove old debts as satisfied would the closed and or any old collection account as as a derogatory factor on my credit the bank underwriting said it would not if proof of payment is provided. I provided that proof of payment but upon the bank analyzing my credit report it pointed out that XXXX is reporting this account as a DEROGATORY ACCOUNT in the account status section and this contradicts my proof of payment and this account is even viewed and counted as a debt. I also like to mention that indeed the reporting of this account has severely dropped my XXXX XXXX which i believe if a definite unfair calculation of my real score as this account shouldn't be weighed against me and or considered an outstanding debt effecting my amounts owed section of my fico score which is 35 %. The lender doesn't like the inconsistencies of this account as even the dates of it being opened are not consistent. XXXX is also reporting that this account is passed due {$1.00} which is a trick used my XXXX because any outstanding amount would definitely lower my score significantly as it is a endogenous factor of credit reporting. Its not fair the XXXX is misreporting this account by added details to it that would impact me from obtaining credit from other credit card companies. I believe this is a violation of the Equal Credit Opportunity Act as what we clearly see throughout the industry as revolving accounts are are usually " clipped '' i.e credit limits reduced due to such facts. I have not seen this in my case so its clear XXXX is doing this deliberately to prevent me from conducting business elsewhere. Due to the fact all credit bureaus are reporting different things this is proven to be unverifiable and inaccurate. The problem is that the investigative procedures has expired 30 days and I demand justice. Unresolved Disputes : Despite exceeding the XXXX legal timeframe for investigation and response as outlined in section XXXX ( b ) of the FCRA XXXX investigation was taken place nor have they proved to the CFPB or me that they did conduct a reasonable investigation. The evidence I proved is sufficient enough to have this account removed. I kindly ask the CFPB to remove this account off my credit report with their standing power. 

XXXX XXXX XXXXccount # XXXX This Account is inaccurate as on XXXX XXXX the account was opened on XX/XX/XXXX and Experian Reports this account opened on XX/XX/XXXX. Since this is the case It would mean all late payments reported to this account : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are behind approximately by XXXX days this means their reporting of these late payments are infact wrong. I have never been 30 days late on this account as there is no logical reason for me to as I have several credit cards with exuberantly high credit limits and perfect on time payments. AS A MATTER OF FACT THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The XXXX requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 

XXXX XXXX Account # : XXXX This Account is inaccurate as on XXXX XXXX the account was opened on XX/XX/XXXX and Experian Reports this account opened on XX/XX/XXXX. Since this is the case It would mean all late payments reported to this account : XX/XX/XXXX on XXXX a 30 day late is being reported however on Experian XX/XX/XXXX is perfect on on time. Experian is reporting XX/XX/XXXX as late and XXXX is reporting XX/XX/XXXX as on time, XXXX is reporting XX/XX/XXXX late and Experian is reporting XX/XX/XXXX as on time, Experian is reporting XX/XX/XXXX as late yet XXXX is reporting XX/XX/XXXX as on time. XXXX is reporting XX/XX/XXXX as late and Experian is reporting XX/XX/XXXX as on time. XXXX is reporting XX/XX/XXXX as a 60 day late, Experian is reporting XX/XX/XXXX as 30 day late, XXXX is reporting XX/XX/XXXX as a 90 day late, and Experian is reporting XX/XX/XXXX as 60 days late and XX/XX/XXXX as 90 days late, the creditors reporting are behind approximately by XXXX days this means their reporting of these late payments are infact wrong. I have never been 30 days late on this account as there is no logical reason for me to as I have several credit cards with exuberantly high credit limits and perfect on time payments. AS A MATTER OF FACT THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The XXXX requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The creditor is stating i was late on XX/XX/XXXX 30 days, XX/XX/XXXX as 30 days late. I was never late on this account he FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 
THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

XXXX Account # : XXXX The creditor is stating i was late on XX/XX/XXXX 30 days, XX/XX/XXXX as 30 days late. I was never late on this account he FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 
THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

XXXX Account # : XXXX The creditor is stating I was late on XX/XX/XXXX 30 days XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 30 days late however this is impossible because on XXXX months it says i was 60 days late yet on XXXX i was only 30 days late. this is 100 % an administration error. The creditor states I was late on XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late however this is impossible because there are only 30 days in each month. I believe this is an faulty error and it has severley caused financial trouble for me as my score decreased due to their errors on my credit report. I was never late on this account he FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT