Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Step1 ) This complaint is about fraudulent reporting and no accountability by the company who received the negative credit report from : XXXX XXXX wanted to improve his credit score ( XXXX ) by remediating two late payments recorded on his credit report which should have been reported correctly. He joined a credit repair Law Firm called " Lexington Law '' and paid them monthly for the 2-months they wrote letters to his creditors about the late payments, with no success. After 2-month 's, Mr. XXXX 's credit score suddenly dropped substantially ( XXXX FICO on XX/XX/XXXX ). 

Step 2 ) The problem is that out dated, negative information, of someone else, is being placed on Mr. XXXX credit report. This is fraud as it shows a misrepresentation of Mr. XXXX true credit score. None of the companies wants to take the blame for this misrepresentation. Neither Lexington Law Firm ( they say it is being reported by XXXX ) nor XXXX ( they say it was reported from a XXXX XXXX XXXX. XXXX ), nor does XXXX XXXX want to take the blame for willful inclusion of negative credit on to Mr. XXXX private score. 

Step 3 ) As it happens : MrXXXX XXXX called Lexington Law Firm and spoke with the directing attorney, XXXX XXXX, asking what happened to his credit report while his private information was in their stewardship. Mr. XXXX  said they thought someone may have taken Mr. XXXX 's personal information and placed negative reports on his credit report, even though the negative credit reports were charged off some 3-5 years prior to being reported on his credit report ( XXXX, XXXX, XXXX ). 

XXXX XXXX made 5 phone calls to each companys Customer Service departments and financial service departments in each respective company and they all denied having XXXX XXXX as a client, or a customer, or having any of his information in their system. The account numbers in the negative reports on XXXX XXXX Credit report are the private information of other individuals and have nothing to do with XXXX XXXX private information. 

When XXXX XXXX called Lexington Law again, they told him the three negative reports were initiated by XXXX credit bureau. They eliminated one negative report which they got corrected the day after they saw it reported ( XXXX XXXX XXXX ), but XXXX XXXX would be better served if he called XXXX, himself. 

Step 4 ) The main company which is negligent is XXXX. Upon calling XXXX, XXXX. XXXX talked to a XXXX @ XXXX M.S.T., XX/XX/XXXX. She explained the report was generated from a XXXX. XXXX at XXXX XXXX. She told XXXX XXXX there was no source person or office as she could tell other than a XXXX. XXXX XXXX, XXXX, OH. XXXX. XXXX XXXX asked to speak to a supervisor and was put on terminal hold for 45 minutes. 

That is extremely bad business. When a reputable company like XXXX, who has the publics trust, tells the person with a complaint that there is no recorded source to track down negative reports which could potentially ruin a persons life like the impact a bad credit rating has immediately on a credit score. This is symbolic of the XXXX XXXX, and XXXX who XXXX  and XXXX our towns and cities, yet they get off XXXX XXXX, and are never held accountable for that destruction. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information on their credit reports. Please, hold XXXX  accountable for the devastating information that immediately destroys good credit. Because, it takes a lot longer to rebuild any good credit lost through inaccurate and fraudulent credit reporting. 

Step 5 ) I am XXXX XXXX XXXX and I am submitting this complaint on behalf of my wife, XXXX XXXX XXXX and myself.