Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Credit Bureau Reporting Errors To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate information reported by Experian, Equifax, and TransUnion on my credit report. Despite my repeated attempts to resolve these discrepancies directly with the bureaus, the issues remain unresolved, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The inaccuracies include, but are not limited to : Two accounts marked as delinquent that were paid in full. These items were to be deleted once payment was received, but were never deleted. They also show major discrepancies in data. 
XXXX XXXX XXXX # XXXX The date closed is incorrect on all three bureaus. 
The payment status is listed as paid on Equifax and Experian, but on TransUnion, it lists nothing. 
There is also no payment history to reference on all three bureaus. 
This inaccurate account should be deleted immediately. 
XXXX - XXXX This is listed on Equifax and TransUnion, but not Experian The date closed is different on Equifax and TransUnion, but not listed at all on Experian On TransUnion, it lists XX/XX/XXXX as okay and on XX/XX/XXXX it says 90 days past due This inaccurate account should be deleted immediately. 
Please see the attached document at the end of this letter Lastly, there is a major inaccuracy with XXXX XXXX XXXX - XXXX There are major inaccuracies that have been listed on all three bureaus, Experian, Equifax, and TransUnion. I have reached out multiple times regarding this inaccuracy and they all fail to investigate and update. If they did have the accurate information, they would have noticed and updated the following TransUnion sent me a copy of my credit report and there is missing data from XX/XX/XXXX to XX/XX/XXXX. They stated the last date of payment was XXXX/XXXX/XXXX, but there is no amount listed in the Amount Paid section. 
The balance/past due amount due is incorrect The High Balance is incorrect The Date Closed is incorrect The last day of payment is also incorrect On XX/XX/XXXX it states that the payment was 30 days late and on XX/XX/XXXX it jumps to 90 days past due Equifax and Experian also have a lot of inaccuracies. 
It shows no late payments. 
The balance/past due amount due is incorrect The High Balance is incorrect The Date Closed is incorrect The last day of payment is also incorrect According to Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. Equifax, Experian, and TransUnion have failed to comply. 
Under the FCRA, credit reporting agencies are required to ensure maximum accuracy of the information they report and must investigate disputes promptly. However, the continued reporting of incorrect information on my credit report demonstrates non-compliance with these legal obligations. 
Furthermore, I demand the immediate removal of the inaccurate information from my credit report. If the bureaus can not verify the accuracy of the information, they are obligated to delete it under FCRA guidelines. 
I am requesting the CFPBs intervention to ensure the credit bureaus comply with the law, correct these errors, or remove unverifiable information from my credit report. Attached to this letter, I have included supporting documentation to substantiate my claims, including : A copy of my credit report ( s ) highlighting the errors. 
A copy of the balance deficiency statement. 
The inaccuracies on my credit report have caused an impact, by me receiving denial of credit, higher interest rates, trouble finding another vehicle, emotional distress, etc. I am entitled to a fair and accurate credit report, and I trust the CFPB will assist me in resolving this matter swiftly. 
Thank you for your attention to this issue. I look forward to your prompt response and resolution. Should you require additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX