Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting Across All Three Bureaus ( Experian, XXXX, XXXX ) Dear CFPB, I am submitting a formal complaint regarding significant inaccuracies and discrepancies in my credit reports as maintained by the three major credit reporting agencies : Experian, XXXX, and XXXX. These inaccuracies have negatively impacted my creditworthiness and have caused financial and emotional distress. I have made multiple attempts to resolve these errors directly with the credit bureaus, but they have failed to correct the inconsistencies.

Below is a list of the major discrepancies and violations of the Fair Credit Reporting Act ( FCRA ), along with relevant legal citations and case law. 

XXXX XXXX  ( Account # [ XXXX XXXX ] ) Inconsistency : XXXX reports a balance of {$190.00}, while Experian and XXXX both report a balance of {$39.00}. 
Applicable Law : FCRA Section 609 ( 15 U.S.C. 1681e ( b ) ) - The credit bureaus are required to report accurate information. 
Court Case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

XXXX. XXXX XXXX  ( Account # XXXX ) ** Inconsistency : XXXX lists a high credit of {$2000.00}, while Experian

lists only {$800.00}. Applicable Law : FCRA Section 623 ( 15 U.S.C. 1681s-2 ) - Furnishers are obligated to report accurate information.

Court Case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). 

XXXX XXXX ( Account # XXXX ) ** Inconsistency : XXXX lists the account as Closed, while Experian and XXXX both list it as Paid.

Applicable Law : FCRA Section 611 ( 15 U.S.C. 1681i ) - The right to dispute and correct inaccurate information.

Court Case : Fair Credit Reporting Act Case Against Experian, XXXX XXXX XXXX. 

XXXX. XXXX ( Account # XXXX ) ** Inconsistency : Experian lists the payment status as Late 30 Days, while XXXX and XXXX list it as Current. 
Applicable Law : FCRA Section 623 - Responsibility of furnishers to ensure accuracy.

Court Case : XXXX XXXX XXXX. 

XXXX XXXX ( Account # XXXX ) ** Inconsistency : XXXX reports a payment status of " Late 120 Days, '' while Experian does not report any late payment status.

Applicable Law : FCRA Section 609 - Credit bureaus are required to ensure accurate payment status reporting.

Court Case : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ). 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) ** Inconsistency : XXXX XXXX this as an " Open Account, '' while XXXX reports it as " Collection. '' Applicable Law : FCRA Section 611 - Consumers have the right to dispute and correct inaccuracies.

Court Case : Fair Credit Reporting Act Lawsuit Against Experian, XXXX XXXX XXXX. 

XXXX. XXXX ( Account # XXXX ) ** Inconsistency : XXXX lists the Date Last Active as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX, and XXXX lists it as XX/XX/XXXX. 
Applicable Law : FCRA Section 609 - Accuracy of account activity and date reporting.

Court Case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

XXXX. XXXX XXXX ( Account # XXXX ) ** Inconsistency : XXXX lists the Date Last Active as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. 
Applicable Law : FCRA Section 623 - Responsibility of furnishers to report accurate dates of account activity. 
Court Case : XXXX XXXX XXXX. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) Inconsistency : XXXX reports the account as " Collection, '' while XXXX lists it as " Collection/Chargeoff. '' Applicable Law : FCRA Section 611 - Responsibility of credit bureaus to correct inconsistencies.

Court Case : Fair Credit Reporting Act Lawsuit Against Experian, XXXX XXXX XXXX. 

XXXX. XXXX XXXX  ( Account # XXXX ) ** Inconsistency : XXXX lists the Date Last Active as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. 
Applicable Law : FCRA Section 609 - Accuracy in reporting dates of activity and last payment.

Court Case : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 

Request for Action : I kindly request that the Consumer Financial Protection Bureau intervene to ensure that the inaccuracies and inconsistencies listed above are fully investigated by the credit reporting agencies ( Experian, XXXX, and XXXX ) and corrected or removed as required by the Fair Credit Reporting Act ( FCRA ). I have provided detailed descriptions of the discrepancies and cited the applicable laws and relevant case law that support my claims.

These errors have caused considerable harm to my credit score and have negatively impacted my financial well-being. I am requesting that the CFPB use its authority to ensure that the credit reporting agencies comply with FCRA requirements and correct or remove these erroneous items from my credit report.

Thank you for your assistance. Please inform me of any updates or actions taken on this matter. 
Sincerely, XXXX XXXX