Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Complaint : XX/XX/XXXX Against : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ( Student Loans ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary I am filing a formal complaint against XXXX, Equifax, TransUnion, and several creditors/collection agencies for violating federal credit reporting laws, failing to investigate disputes, and reporting inaccurate, outdated, and unverifiable negative items on my credit report.

I have disputed multiple inaccurate and unfair items, yet the credit bureaus and furnishers have failed to remove the incorrect data as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Below are the specific violations and requested resolutions for each account : XXXX. XXXX XXXX ( Collection Over XXXX XXXX XXXX ) Violation : Under FCRA 1681c ( a ) ( 4 ), collections must be removed after 7 years from the date of first delinquency ( DOFD ). The XXXX XXXX collection is past the legal reporting period but still remains on my report. 
Resolution : I demand the immediate removal of this outdated collection account from all credit reports. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect Late Payments Violation : Late payments were reported in error despite my account being in good standing before it was closed. 
Resolution : The inaccurate late payments must be deleted immediately. 
XXXX. XXXX XXXX Finance Collection Account Violation : XXXX XXXX Finance reported a collection that is inaccurate and unverifiable under FCRA 1681i. 
Resolution : I request a full investigation and removal of this collection if it can not be verified with proper documentation. 
XXXX. XXXX Late Payments on Student Loans ( After PSLF Forgiveness ) Violation : I qualified for Public Service Loan Forgiveness ( PSLF ), and my loans were forgiven. However, XXXX has failed to remove late payments that should no longer be reported. 
Resolution : Remove all late payment records related to my student loans. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Collection Violation : XXXX  is reporting a collection account that they failed to validate under Fair Debt Collection Practices Act ( FDCPA ) 1692g. 
Resolution : Since XXXX did not verify the debt, the collection must be removed from my credit report immediately. 
XXXX Credit Bureaus Failure to Investigate Disputes ( FCRA Violations ) XXXX, Equifax , and TransUnion have violated FCRA 1681i by failing to properly investigate my disputes.

They continue to report inaccurate and unverifiable information, causing damage to my credit score and financial well-being.

How This Has Harmed Me Due to these inaccurate and unfair negative items : My credit score has dropped, making it difficult for me to obtain housing and credit.

I have been denied loans and charged higher interest rates due to false negative marks.

I have suffered severe emotional distress, financial hardship, and reputational harm due to the credit bureaus failure to follow the law.

Requested Resolution ( What Do I Want? ) 1.Remove the XXXX XXXX collection account immediately ( Its over 7 years old and violates FCRA 1681c ).

2.Delete all inaccurate late payments reported by FEB Destiny and Navient.

3.Remove the unverified Great American Finance and CCS collection accounts.

4.Investigate and delete any unverifiable accounts per FCRA 1681i.

5.Ensure Experian, Equifax, and TransUnion comply with federal law by accurately reporting my credit history.

If my request is not resolved within 30 days, I will : File a lawsuit against the credit bureaus and data furnishers for FCRA and FDCPA violations.

Seek damages for credit harm and emotional distress under FCRA 1681n & 1681o.

File a complaint with the Federal Trade Commission ( FTC ) and California Attorney General.

I expect an immediate investigation and resolution.

Sincerely, Lakisha Ferry