Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer, Financial XXXX XXXX XXXX Subject : Formal Complaint XXXX Credit Report Information & FCRA Violations . 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX email is XXXX SSN XXXX XX/XX/XXXX I am formally requesting your urgent intervention regarding multiple inaccuracies on my credit report. I have already filed a dispute with the credit reporting agency via a certified letter and even pursued legal action in court, yet these errors remain uncorrected. The failure to act on my disputes constitutes clear violations of the Fair Credit Reporting Act ( FCRA ), and I demand immediate resolution. All my information was on the courts website by mistake and a bank notified me of a data breach that all my information was leaked. I have already sent several letters to the credit bureau, and its still not taken off after 2 years with a police report and court care. Please help me so I dont have to take further action. This has been a nightmare for me. My information is Issues Requiring Urgent Correction : 1.Inaccurate Credit Inquiries My credit report contains unauthorized and incorrect inquiries that I have disputed and went to court. Filed on XX/XX/XXXX, Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX yet they remain on my record without proper removal. ( FCRA XXXX ( c ) Permissible Purpose of Consumer Reports ) Incorrect Bankruptcy Information My XXXX  XXXX bankruptcy was fraud. I went to court on dismissed on XX/XX/XXXX, yet my credit report falsely states that it will remain on file until XX/XX/XXXX. This is an inaccurate and misleading representation of my credit history. ( FCRA XXXX ( a ) ( 1 ) Obsolete Information ) 2. XXXX XXXX Bank Account Errors XXXX XXXX XXXX Bank account was closed with an XXXX balance, they send my money back to me now its reporting negative for 2 months now Account info Account name XXXX XXXX XXXXXXXX Account XXXX Account type Secured Card Date opened XXXX  XXXX ; XXXX Open/closed Open Status Open. Status updated XXXX Balance {$80.00} XXXX updated XXXX, XXXX Credit limit {$650.00} XXXX XXXX XXXX Monthly payment {$80.00} yet my credit report still lists it as an open account with ongoing payments. ( FCRA XXXX ( a ) Duty of Furnishers to Report Accurate Information ) XXXX XXXX XXXX XXXX payments for XX/XX/XXXX AND XX/XX/XXXX {$80.00} XXXX. XXXX XXXX XXXX Account Errors XXXX XXXX XXXX XXXXXXXX account was charged off with a balance of {$80.00}, yet my credit report continues to report it as past due. The charge-off details, balance, and payment status need to be properly updated. ( FCRA XXXX ( a ) ) My account was closed and charge off without my permission and its affection my credit Failure to Investigate & Correct Disputed Information Despite my formal dispute, the credit reporting agency has failed to correct these errors, violating FCRA XXXX ( a ) ( 1 ) ( A ), which mandates a reinvestigation within 30 days. 
These inaccuracies are unfairly damaging my financial reputation. The continued failure of the credit reporting agency to correct these errors is unacceptable and in direct violation of the FCRA. Enclosed, I have included copies of my dispute letters, court documents, and supporting evidence for your review.