Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against the three major credit reporting agenciesTransUnion, Experian, and Equifaxfor their deceptive, unlawful, and noncompliant reporting practices. Despite my repeated dispute letters submitted directly to each bureau, they continue to include inaccurate, incomplete, and unverifiable information on my credit file. These errors are materially harming my credit profile and adversely affecting my ability to obtain credit. I respectfully request that the CFPB enforce the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by ordering the immediate removal and blocking of all disputed items from my file. 

I. FACTUAL BACKGROUND Over several months, I have sent detailed dispute letters to TransUnion, Experian, and Equifax. In each instance, I have challenged the reporting of multiple items that I contend are inaccurate, incomplete, and unverifiable. Below is a complete consolidation of the disputed items taken directly from my Equifax, Experian, and TransUnion letters. 

XXXX. DISPUTED ACCOUNTS XXXX Account Number : XXXX Issues Reported : Equifax : Account closed at consumers request ; Charged off account. 
Experian : Credit line closed per consumer request as reported by subscriber ; Unpaid balance reported as a loss by the credit grantor. 
TransUnion : Charged off as bad debt ; Account closed by consumer. 
XXXX Account Number : XXXX Issues Reported : Equifax : Accounts closed by credit grantor.

Experian : Account closed due to inactivity. 
TransUnion : Canceled by credit grantor. 
XXXX XXXX Account Number : XXXX Issues Reported : Equifax : Charged off with the original high credit amount as charge-off. 
Experian : Unpaid balance reported as a loss by the credit grantor. 
TransUnion : Charged off as bad debt ; Profit and loss write-off. 
XXXX XXXX XXXX Account Number : XXXX Issues Reported : Equifax : Charged off ; Accounts closed by credit grantor.

Experian : Account closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
XXXX : Charged off as bad debt ; Canceled by credit grantor. 
XXXX. DISPUTED PERSONAL INFORMATION A. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. DISPUTED INQUIRIES The following inquiries appear on my credit report inaccurately and/or without my authorization 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The practices of TransUnion, Experian, and Equifax in reporting the above items violate several key provisions of federal law, including : Failure to Verify Accuracy : Under FCRA 609 and 1681i, each bureau must verify the accuracy of every account using complete, original documentation. Their failure to provide such verification constitutes a direct violation.

Failure to Conduct a Reasonable Investigation : FCRA 611 mandates that upon receipt of a dispute, a reasonable investigation must be conducted. Any inaccurate, incomplete, or unverifiable information must be corrected or removed within 30 days.

Failure to Maintain Accurate Records : FCRA 607 ( b ) requires that all reported data be complete and accurate. The discrepancies, duplicate entries, and misclassifications evident in my file demonstrate clear noncompliance.

Failure to Mark Disputed Accounts : FCRA 1681i ( a ) ( 6 ) ( B ) requires that once an account is disputed, it must be clearly marked as such. The failure to do so misleads creditors and potential lenders.

Failure to Provide Proof of Debt : FDCPA 1692g obligates creditors to furnish written validation of any debt. The absence of proper documentation for these disputed items exacerbates the harm to my credit.

Additional Violations : Inaccurate and duplicative reporting of inquiries, along with inconsistent personal information, may also trigger violations under identity theft protections ( 18 U.S.C. 1028 and FCRA 605B ).

In light of the foregoing, I respectfully request that the CFPB : Investigate the credit reporting practices of TransUnion, Experian, and Equifax regarding the above-listed accounts, personal information discrepancies, and inquiry issues.

Enforce Compliance by directing these agencies to immediately remove and block all inaccurate, unverifiable, and duplicative items from my credit report.

Mandate Verification : Require that the credit bureaus obtain verifiable, original documentation for each reported item prior to its inclusion on any consumer report.

Impose Sanctions : Pursue all available remedies under the FCRA and FDCPAincluding penalties and corrective measuresfor their ongoing noncompliance.

Provide Confirmation : Ensure that I receive prompt, written confirmation of all corrective actions taken to amend my credit file.

I have attached copies of my dispute letters from Equifax, Experian, and TransUnion, which detail these inaccuracies along with the applicable legal citations. I trust that the CFPB will take swift and decisive action to protect my rights as a consumer and uphold the integrity of the credit reporting system.

Thank you for your immediate attention to this matter. I look forward to your timely response and resolution. 

Respectfully, XXXX XXXX XXXX