Product: Credit reporting or other personal consumer reports

On the XXXX XXXX of the month of XXXX in the year XXXX, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ) Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), on my consumer report from TransUnion, XXXX, and XXXX, the consumer reporting agencies. I am writing to express my deep frustration and concern regarding the gross inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX XXXX XXXX, a financial institution, account number XXXX. Specifically, TransUnion, XXXX, and XXXX are reporting inaccurate and inconsistent information regarding the Account Type Detail, No. of Months ( terms ), High Credit, Payment Status, Date Last Active, Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; which violates section 602 subsection ( a ) and ( b ) of the FCRA These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. 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. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history and account balances, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, TransUnion, XXXX, and XXXX are nonaffiliated third parties to XXXX XXXX XXXX and pursuant to GLBA and Regulation P section 1016.7 ( a ), XXXX XXXX XXXX  rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally. Moreover, pursuant to IRS Publication 17, a charge-off is considered taxable canceled debt income and this income should not be reflected on my consumer report. The inclusion of a charge-off as reported income is not an accurate or appropriate representation of my consumer profile. Maintaining this type of tax-related information on my credit report is a violation of the Fair Credit Reporting Act and outside of the scope of a consumer reporting agency. 


These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment. 

I remind you that under Fair Credit Report Act ( FCRA ), Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.