Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Potential Violations of the Fair Credit Reporting Act ( FCRA ) To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XX/XX/XXXX Complaint Details : I am writing to file a formal complaint regarding inaccurate and unlawful reporting on my credit file by TransUnion and several creditors. The following accounts have been inaccurately reported, and I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws. 
Affected Accounts : XXXX. **XXXX  XXXX ( Account Ending in XXXX ) o Issue : This account is reported as a " Charge-off '' with a balance of {$490.00}, despite my belief that the account was paid or settled. The account was closed on XX/XX/XXXX, but the reporting does not reflect the correct status.

o Potential Violation : This may violate 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of negative information to 7 years, and 15 U.S.C. 1681e ( b ), which requires credit reporting agencies ( CRAs ) to follow reasonable procedures to ensure maximum possible accuracy. 
XXXX. XXXX XXXX  ( Account Ending in XXXX ) o Issue : This account is reported as a " Charge-off '' with a balance of {$2000.00}. I believe this account was either paid or settled, and the current reporting is inaccurate. 
o Potential Violation : This may violate 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate disputes and correct inaccuracies within 30 days.

3. XXXX XXXX ( Account Ending in **XXXX ) o Issue : This account is reported as a " Charge-off '' with a balance of {$150.00}. I believe this account was paid or settled, and the reporting is incorrect. 
o Potential Violation : This may violate 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits the reporting of outdated negative information beyond 7 years, and 15 U.S.C. 1681e ( b ), which requires CRAs to ensure accuracy. 
XXXX. XXXX XXXX XXXX ( XXXX ) o Issue : This account is reported as a collection account with a balance of {$880.00}. I have disputed this account, but it remains on my credit report without proper verification. 
o Potential Violation : This may violate 15 U.S.C. 1681i ( a ) ( 1 ), which requires CRAs to conduct a reasonable investigation of disputes, and 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate and correct inaccuracies. 
XXXX. XXXX XXXX ( Account XXXX ) o Issue : This account is reported as a collection account with a balance of {$700.00}. I have disputed this account, but it remains on my credit report without proper verification. 
o Potential Violation : This may violate 15 U.S.C. 1681i ( a ) ( 1 ), which requires CRAs to investigate disputes, and 15 U.S.C. 1681s-2 ( b ), which requires furnishers to correct inaccuracies. 
XXXX. XXXX XXXX XXXX XXXX Account XXXX ) o Issue : This account is reported as a collection account with a balance of {$130.00}. I have disputed this account, but it remains on my credit report without proper verification. 
o Potential Violation : This may violate 15 U.S.C. 1681i ( a ) ( 1 ), which requires CRAs to investigate disputes, and 15 U.S.C. 1681s-2 ( b ), which requires furnishers to correct inaccuracies. 

________________________________________ My Rights Under the FCRA : XXXX. Right to Accurate Reporting ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit report. Inaccurate or unverified information must be corrected or removed.

2. Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : I have the right to dispute incomplete or inaccurate information in my credit file. CRAs are required to investigate my disputes within 30 days and correct or delete any information that is inaccurate, incomplete, or unverifiable.

3. Right to Timely Resolution ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers of information ( creditors ) must investigate disputes and report the results to the CRA within 30 days. If the information can not be verified, it must be removed from my credit report.

4. Right to Damages ( 15 U.S.C. 1681n and 1681o ) ) : If a CRA or furnisher of information violates the FCRA, I may be entitled to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

5. Right to Outdated Information Removal ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Negative information, such as charge-offs or collections, can not be reported for more than 7 years from the date of delinquency. Bankruptcy information can not be reported for more than 10 years.

6. Right to a Free Credit Report ( 15 U.S.C. 1681j ) ) : I am entitled to one free credit report every 12 months from each of the nationwide credit bureaus ( Equifax, Experian, and TransUnion ). 
7. Right to Fraud Alerts and Security Freezes ( 15 U.S.C. 1681c-1 and 1681c-2 ) ) : I have the right to place a fraud alert or security freeze on my credit report to prevent unauthorized access.

________________________________________ Actions Requested : 1. Investigation : I request that the CFPB investigate the above-mentioned accounts and ensure that TransUnion and the respective creditors comply with the FCRA and other applicable laws.

2. Correction of Credit Report : I request that the inaccuracies be corrected or removed from my credit report, and that my credit file be updated to reflect the accurate status of these accounts.

3. Notification of Resolution : I request to be notified of the resolution of this complaint and any actions taken by the CFPB to ensure compliance with the law.

4. Remedies : If violations of the FCRA are found, I request that appropriate remedies be provided, including but not limited to : o Correction of my credit report.

o Monetary damages for actual harm caused by the inaccuracies.

o Statutory damages for willful noncompliance with the FCRA.

o Any other relief deemed appropriate.

________________________________________ Conclusion : I believe that the inaccuracies in my credit report have caused me financial harm and have negatively impacted my ability to obtain credit. I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that the responsible parties are held accountable for any violations.

Thank you for your attention to this matter. Please contact me at XXXX or XXXX if you require any additional information or documentation to assist in your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX