Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXX Response to XXXX XXXX XXXX XXXX Letter Dear Risk Management, I am writing to formally dispute your response dated XX/XX/XXXX, regarding the inaccurate and incomplete information reported to the credit bureaus. The statements made in your letter do not fully address the core issues outlined in my previous disputes, nor do they align with the protections afforded to me under the Fair Credit Reporting Act ( FCRA ). As such, I am compelled to reinstate my formal dispute and highlight the key violations and inconsistencies that remain unaddressed. 
Violations of the FCRA and Incomplete Reporting XXXX. Inaccurate Payment Reporting : You stated that no inconsistencies appeared in the payment histories pulled from XXXX and XXXX. However, I had previously arranged for modified payment terms due to unforeseen work and personal circumstances. These arrangements were agreed upon with your account management department. Despite this, the reported information failed to reflect these prior arrangements, which constitutes incomplete and inaccurate reporting under 15 U.S.C. 1681s-2 ( a ). The FCRA requires that all furnished information be accurate and complete. 
By omitting the agreed-upon payment arrangement, you failed to provide accurate information, which directly led to the erroneous reporting of delinquencies for XXXX and XX/XX/XXXX. 
XXXX. Variance in Reporting Across Bureaus : In your response, you acknowledged that " there may be variances in how the information is posted, '' yet failed to take responsibility for ensuring that the information transmitted to the credit bureaus is both accurate and consistently reported. Per FCRA regulations, any information provided to consumer reporting agencies must be accurate and must not result in conflicting data across credit bureaus. The acknowledgment of these variances is an admission of the fact that the information reported was not consistent, thus violating my rights under the FCRA to have accurate and fair credit reporting. 
XXXX. Unauthorized Credit Inquiry : You stated that my consent for accessing my credit report was provided on XX/XX/XXXX, in connection with the loan application. However, this consent was limited to the purpose of that specific loan application. The recent credit inquiry on XX/XX/XXXX, was unauthorized and constitutes a violation of my privacy under 15 U.S.C. 1681b, which governs permissible purposes for accessing consumer credit reports. This inquiry was not authorized by me, and I request the removal of this unauthorized inquiry from my credit report. 
Furthermore, I have rescinded any prior consent for XXXX XXXX XXXX to access my credit report or share my personal information without my explicit, written consent. 
XXXX. Failure to Investigate and Correct : XXXX XXXX XXXX has failed to properly investigate my disputes in accordance with 15 U.S.C. 1681i, which requires a thorough and reasonable investigation when a consumer disputes the accuracy of information reported. By stating that you will not continue to investigate my disputes, you are neglecting your legal obligation to ensure the accuracy of the information reported to credit bureaus. Your refusal to investigate further demonstrates a disregard for the FCRAs standards and fails to rectify the inaccuracies I have brought to your attention.