Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, and Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) & Unlawful Re-Aging of Debt Complaint Details : I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion , and Equifax for the unlawful re-aging of accounts on my credit report, failure to correct inaccurate information, and violations of the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ). 

Despite multiple disputes filed with the credit bureaus, TransUnion and Equifax have refused to investigate or correct the inaccurate reporting of XXXX aged accounts on my credit report. These accounts have exceeded the legal reporting time limit and must be immediately deleted as required under FCRA 15 U.S. Code 1681c ( a ) ( 4 ). 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX ) I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX and spoke with XXXX ( Rep ID XXXX XXXX ) from the XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX 
I was informed that my first date of delinquency was XX/XX/XXXX ( XXXX days late ). 
Under FCRA 15 U.S. Code 1681c ( a ) ( 4 ), negative credit information must be removed after 7 years from the first delinquency, which means this account should no longer be reported. 
Instead, XXXX XXXX XXXX unlawfully re-aged the account, extending its reporting period beyond what is legally allowed in an attempt to continue collection efforts. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX  and spoke with XXXX from Customer Resolutions ( XXXX ). 
I was informed that my first date of delinquency was XX/XX/XXXX ( XXXX days late ). 
Despite this, XXXX XXXX XXXX refuses to remove the aged account from my credit report, even though it has surpassed the 7-year reporting limit under FCRA 15 U.S. Code 1681c ( a ) ( 4 ). 
XXXX XXXX XXXX has also re-aged this account, unlawfully extending the collection and reporting period to harm my credit score. 

3. Credit Bureau Failures ( TransUnion & Equifax ) I have filed XXXX previous disputes with TransUnion and Equifax , yet they have failed to investigate or remove these aged accounts. 
This is a direct violation of FCRA 15 U.S. Code 1681i ( a ), which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes an account. 
Their failure to act constitutes willful noncompliance under FCRA 15 U.S. Code 1681n, making them liable for damages. 

Request for Resolution I formally request that the CFPB take immediate action and : 1. Direct TransUnion and Equifax to immediately delete the XXXX unlawful collection accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 
XXXX. Investigate XXXX XXXX XXXX and XXXX XXXX XXXX for illegal re-aging of debt, which violates the FCRA and CCCRAA. 
XXXX. Impose penalties on TransUnion and Equifax for failure to conduct a proper investigation and update my credit file as required under FCRA 15 U.S. Code 1681i ( a ). 
XXXX. Expedite this process as these unlawful accounts are negatively affecting my credit score and preventing me from securing an auto loan. 

If these issues are not resolved immediately, I am prepared to escalate this matter through legal action. 

Supporting Evidence : Sworn affidavit detailing the violations by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
Credit reports showing these accounts still reporting beyond the legal time frame. 
Call records and representative statements confirming the first date of delinquency. 

I appreciate the CFPBs prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX