Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX and XXXX CARD are not maintaining reasonable procedures. Per the FCRA AS A Federally protected consumer, I am now opting out any and all authorization, I the consumer XXXX have given you written, unwritten, verbal, and non-verbal per XXXX XXXX XXXX. XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt-out at any time. '' I am opting out of your reporting services. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX credit card account XXXX, and XXXX XXXX, have violated my rights. XXXX XXXX. XXXX I am seeking compensation for the damages caused by this violation, which has impacted my ability to access credit and financial opportunities. { {$1000.00} } per transaction. They have reported for months. XXXX { {$1000.00} } per violation x 12 months= { {$12000.00} } XXXX per violation x 12 months { {$12000.00} } per violation. My Consumer Transaction History is Not to Be Reported from This Day Forth as per The Privacy Act of XXXX, which is a Federal Law that regulates how federal agencies collect store, use, and disclose personally identifiable information about individuals in systems of records. I have the right to make sure my private information isn't shared and is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. P.L XXXX ( XXXX XXXX. XXXX ) is the Consumer Credit Protection Act ( CCPA ), a United States law enacted on XX/XX/XXXX. It is composed of several titles relating to consumer credit, mainly title I, the Truth in Lending Act, title XXXX related to extortionate credit transactions, title XXXX related to restrictions on wage garnishment, and title IV related to the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor. ( b ) Billing error. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error. ( XXXX ) Effect of noncompliance with requirements by creditor. Any creditor who fails to comply with the requirements of this section or section XXXX of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( XXXX ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection XXXX not exceed { { {$50.00} } }. The Truth in Lending Act ( XXXX ) is a federal statute which XXXX enacted in XXXX and amended and expanded on numerous occasions after that date. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX XXXXXXXX XXXX XXXX  and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and EXPERIAN, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that, XXXX XXXX XXXX ( a ) ( XXXX ) clearly states " Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX XXXX AND CO, and XXXX CARD are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services. Nonpublic information refers to information that is not and should not be available to the public. This includes Personal information of an individual, such as Social Security XXXX, bank information, other personal identifiable financial information, and certain transactions with financial institutions. Information that is deemed private, protected, controlled, or exempt from disclosure under the Government Records Access and Management Act ( GRAMA ) or as non-public under other applicable State and federal laws. Information that has not been adequately disclosed to the general public. XXXX XXXX XXXX, also known as insider information, which is important but is not supposed to be disclosed to the public as the disclosure of the same has to affect the price or decision of investors of the company, and this information is known only to authorized personnel of the company. Information about the XXXX business, economic, and policy plans, financial and asset information, trade secrets, information subject to the Privacy Act, personally identifiable information ( PII ), and sensitive but unclassified ( SBU ) information. XXXX XXXX XXXX - Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Describes the conditions under which a financial institution XXXX disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission XXXX XXXX ) has rulemaking authority pursuant to section XXXX ( a ) ( XXXX ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section XXXX ( k ) of the Bank XXXX XXXX  Act of XXXX, XXXX XXXX. XXXX ( k ), which incorporates activities enumerated by the Federal Reserve XXXX in XXXX CFR XXXX and XXXX. The financial institutions subject to the XXXX 's rulemaking authority are any persons described in XXXX XXXX. XXXX that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in XXXX XXXX. XXXX ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third-party finance or leasing source. XXXX CFR XXXX - Exemption of sellers taking or receiving open end consumer credit contracts before XXXX XXXX from requirements of XXXX ( a ). ( a ) Any seller who has taken or received an open-end consumer credit contract before, shall be exempt from the requirements of XXXX XXXX part XXXX with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( XXXX ) All pertinent definitions contained in XXXX XXXX XXXX. ( XXXX ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor XXXX permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan XXXX provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( XXXX ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. XXXX XXXX Code XXXX - Unauthorized disclosure of information ( a ) Returns and return information ( XXXX ) Federal employees and other persons It shall be unlawful for any XXXX or employee of the United States or any person described in section XXXX ( XXXX ) ( or an XXXX or employee of any such person ), or any former XXXX or employee, willfully to disclose to any person, except as authorized in this title, any return or return information ( as defined in section XXXX ( b ) ). Any violation of this paragraph shall be a felony punishable upon conviction by a fine in any amount not exceeding { { {$5000.00} } }, or imprisonment of not more than 5 years, or both, together with the costs of prosecution, and if such offense is committed by any XXXX or employee of the United States, he shall, in addition to any other punishment, be dismissed from office or XXXX from employment upon conviction for such offense. ( XXXX ) State and other employees It shall be unlawful for any person ( not described in paragraph ( XXXX ) ) willfully to disclose to any person, except as authorized in this title, any return or return information ( as defined in section XXXX ( b ) ) acquired by him or another person under subsection ( d ), ( i ) ( XXXX ) ( C ), ( XXXX ) ( B ) ( i ), or ( XXXX ) ( A ) ( XXXX ), ( k ) ( XXXX ), ( XXXX ), ( XXXX ), or ( XXXX ), ( l ) ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), or ( XXXX ) or ( m ) ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), or ( XXXX ) of section XXXX or under section XXXX ( c ). Any violation of this paragraph shall be a felony punishable by a fine in any amount not exceeding { { {$5000.00} } }, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. ( XXXX ) Other persons It shall be unlawful for any person to whom any return or return information ( as defined in section XXXX ( b ) ) is disclosed in a manner unauthorized by this title thereafter willfully to print or publish in any manner not provided by law any such return or return information. Any violation of this paragraph shall be a felony punishable by a fine in any amount not exceeding { { {$5000.00} } }, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. ( XXXX ) Solicitation It shall be unlawful for any person willfully to offer any item of material value in exchange for any return or return information ( as defined in section XXXX ( b ) ) and to receive as a result of such solicitation any such return or return information. Any violation of this paragraph shall be a felony punishable by a fine in any amount not exceeding { { {$5000.00} } }, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. ( XXXX ) XXXX It shall be unlawful for any person to whom a return or return information ( as defined in section XXXX ( b ) ) is disclosed pursuant to the provisions of section XXXX ( XXXX ) ( XXXX ) ( D ) ( iii ) willfully to disclose such return or return information in any manner not provided by law. Any violation of this paragraph shall be a felony punishable by a fine in any amount not to exceed { { {$5000.00} } }, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. ( b ) XXXX of operations of manufacturer or producer Any XXXX or employee of the United States who divulges or makes known in any manner whatever not provided by law to any person the operations, style of work, or apparatus of any manufacturer or producer visited by him in the discharge of his official duties shall be guilty of a misdemeanor and, upon conviction thereof, shall be fined not more than { { {$1000.00} } }, or imprisoned not more than 1 year, or both, together with the costs of prosecution ; and the offender shall be dismissed from office or XXXX from employment. ( c ) Disclosures by certain delegates of XXXX XXXX provisions of law relating to the disclosure of information, and all provisions of law relating to penalties for unauthorized disclosure of information, which are applicable in respect of any function under this title when performed by an XXXX or employee of the Treasury Department are likewise applicable in respect of such function when performed by any person who is a delegate within the meaning of section XXXX ( a ) ( XXXX ) ( B ). ( d ) XXXX of software Any person who willfully divulges or makes known software ( as defined in section XXXX ( d ) ( XXXX ) ) to any person in violation of section XXXX shall be guilty of a felony and, upon conviction thereof, shall be fined not more than { { {$5000.00} } }, or imprisoned not more than 5 years, or both, together with the costs of prosecution. ( XXXX ) XXXX references ( XXXX ) Penalties for disclosure of information by preparers of returns for penalty for disclosure or use of information by preparers of returns, see section XXXX. ( XXXX ) Penalties for disclosure of confidential information for penalties for disclosure of confidential information by any XXXX or employee of the United States or any department or agency thereof, see XXXX XXXX. XXXX. Privacy Act of XXXX XXXX the Privacy Act was passed in XXXX to establish controls over what personal information is collected, maintained, used and disseminated by agencies in the XXXX branch of the Federal government. The Privacy Act only applies to records that are located in a system of records. As defined in the Privacy Act, a system of records is a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual. Federal Trade Commission XXXX XXXX XXXX XXXX. XXXX The Federal Trade Commission XXXX is the primary statute of the XXXX. Under this XXXX, as amended, the XXXX is empowered, among other things, to ( a ) prevent unfair methods of competition and unfair or deceptive acts or practices in or affecting commerce ; ( b ) seek monetary redress and other relief for conduct injurious to consumers ; ( c ) prescribe rules defining with specificity acts or practices that are unfair or deceptive, and establishing requirements designed to prevent such acts or practices ; ( d ) gather and compile information and conduct investigations relating to the organization, business, practices, and management of entities engaged in commerce; and ( XXXX ) make reports and legislative recommendations to XXXX and the public. A number of other statutes listed here are enforced under the FTC XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) states Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, and also uses any chart or table authorized by the Bureau XXXX section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than { { {$5000.00} } } or imprisoned not more than XXXX year, or both. XXXX XXXX XXXX XXXX ( XXXX ) ( b ) Accuracy and fairness of credit reporting The XXXX makes the following findings : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. XXXX XXXX XXXX XXXX - Definitions ; The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, ( XXXX ) exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX history is illegal. XXXX XXXX Code XXXX - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other, ( XXXX ) In accordance with the written instructions of the consumer to whom it relates ; They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft, except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency, ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX - Compliance procedures, ( a ) identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the ( furnishing of consumer reports ), to the purposes listed under section XXXX of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency XXXX furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section XXXX of this title. ( b ) Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX Code XXXX - Civil liability for willful noncompliance ; ( a ) In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { { {$100.00} } } and not more than { { {$1000.00} } } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { { {$1000.00} } }, whichever is greater ; XXXX XXXX Code XXXX - Civil liability for negligent noncompliance ; Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure. XXXX XXXX Code XXXX Enforcement ; Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, XXXX XXXX Code XXXX False or misleading representations ; A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : XXXX XXXX XXXX XXXX ( XXXX ) states, The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. XXXX XXXX Code XXXX ( XXXX ) states, The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which XXXX be lawfully received by any debt collector for the collection of a debt. Examples of common violations under this subsection include a collector falsely implying legal action has begun when it has not, where the collector claims an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ), and where the collector asserts a debt is owed and immediately due and payable, when it is not. XXXX XXXX XXXX XXXX ( XXXX ) states, The false representation or implication that any individual is an attorney or that any communication is from an attorney. A debt collector XXXX not send a collection letter from a XXXX Department, where no legal department exists, or send a letter deceptively using an attorneys name when the debt collector is not an attorney/law firm. And if a creditor falsely uses an attorneys name rather than its own when trying to collect, the creditor will lose its exemption from the FDCPAs definition of debt collector. XXXX XXXX XXXX XXXX ( XXXX ) states, The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. XXXX XXXX XXXX XXXX ( XXXX ) states, The threat to take any action that can not legally be taken or that is not intended to be taken. A debt collector XXXX not state that he will take any action unless he intends to take the action when the statement is made, and ordinarily takes such action in similar circumstances. He or she XXXX also not state that a third party ( e.g., the creditor ) will take an action unless there is reason to believe, at the time the statement is made, that such action will be taken. For example, a debt collector XXXX not threaten to report a dishonored check or other fact to the police, unless he actually intends to do so, threaten to attach a consumers tax refund unless he has the legal authority to do so, report a debt to a credit bureau if it doesnt actually report debts, or threaten to illegally contact an employer, or other third party. A debt collector XXXX also not misrepresent the imminence of an action, when such action is not actually planned. For example, a debt XXXX implication or reference to an attorney or to legal proceedings XXXX mislead the debtor as to the likelihood or immediate legal action. However, if the debt collector has reason to know legal action is unlikely in the particular case, that statement would be misleading. And lack of intent actually bring suit XXXX be inferred when the amount of the debt is so small as to make the action totally unfeasible or when the debt collector is unable to take the action because the creditor has not authorized him to do so. XXXX XXXX Code XXXX ( XXXX ) states, The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to '' ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. This often occurs where the debt collector falsely states that the consumers account will be referred back to the original creditor, or a different collector, who will be able to otherwise who take action the FDCPA prohibits the debt collector to take. A debt collector XXXX also not mislead the consumer as to the legal consequences of the consumers action or inaction ( e.g., by falsely implying that a failure to dispute is an admission of liability ). XXXX XXXX XXXX XXXX ( XXXX ) states, The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. XXXX XXXX XXXX XXXX ( XXXX ) states, Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. If a debt collector is reporting a debt to a credit bureau, and knows the consumer disputes the debt ( whenever the consumer disputes it, even if after XXXX days ), he must update the account as disputed, and failure to do so violates the XXXX. XXXX XXXX XXXX XXXX ( XXXX ) states, The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. XXXX XXXX XXXX XXXX ( XXXX ) states, The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This is in general, a catch-all provision, encompassing actions not expressly listed. XXXX XXXX Code XXXX ( XXXX ) states, The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal AS PER THE LAW, I WANT THE I WANT THESE ACCOUNTS DELETED/REMOVED WITHIN 4 DAYS FROM MY REPORT AS IT IS UNLAWFUL TO REPORT. These accounts has violated my rights to adverse employment action under FCRA XXXX. My right to privacy is guaranteed by XXXX XXXX. XXXX section XXXX ( A ) XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They continue to report this on my credit report. I want compensation because they violated me for months. They have both reported for months in total these derogatory. { {$1000.00} } per violation ( transaction ). { {$1000.00} } x 12 months for XXXX yrs total { {$12000.00} }. Their handling of my records and privacy is unacceptable. Because of this falsely reporting, I have been declined for personal and business loans that I otherwise would have been approved for. This has caused significant financial hardship and unnecessary stress. I demand that XXXX XXXXXXXX XXXX XXXX and XXXX XXXX rectify this issue immediately by removing these erroneous accounts entries from my credit report in compliance with XXXX and other relevant regulations. Additionally, I am seeking compensation for the damages caused by this violation, which has impacted my ability to access credit and financial opportunities. I demand a response to this complaint within 10 days to confirm that corrective action has been taken and provide details on how you intend to compensate me for the damages incurred. Failure to address this matter satisfactorily will compel me to pursue further legal action.