Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Accounts by Credit Bureaus To Whom It May Concern at the CFPB, I am writing to file a formal complaint regarding inaccurate and misleading information being reported by XXXX, TransUnion and XXXX on my credit report. Despite my efforts to resolve this issue directly with the credit bureau ( s ) and/or the data furnisher ( s ), the inaccuracies persist and have caused significant harm to my creditworthiness and financial standing. 

Details of the Complaint : Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of the Inaccuracy : The status is incorrect for the following account. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX Please remove it from my credit report. 

6. Section 607 Requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

8. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. Procedure in case of disputed accuracy 15 U.S.C. 1681i INACCUATELY REPORTING ( FCRA VIOLATION ) XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Starting in XXXX, I was made aware by getting an annual credit report of all the mistakes on my credit. I disputed this inaccurate information with TransUnion, XXXX and XXXX per my rights under the Fair Credit Reporting Act ( FCRA ). 
I provided supporting documentation, including [ list of documents, e.g., proof of payment, letters from the creditor, etc. ]. 
Despite this, the issue was not resolved satisfactorily, as the disputed information remains unchanged or has been re-reported inaccurately. 
Impact of the Inaccuracy : Due to this error, my credit score has been adversely affected, resulting in [ list consequences, e.g., denial of credit, higher interest rates, inability to secure housing, etc. ]. 
Requested Resolution : I request that the CFPB investigate this matter and hold TransUnion, XXXX and XXXX accountable for their failure to uphold the FCRA, specifically regarding their obligation to ensure maximum possible accuracy in reporting and their duty to conduct reasonable investigations into disputes. 

I also request the following : Immediate removal or correction of the inaccurate information.

Confirmation of these corrections in writing.

A thorough review of the credit bureaus investigation process to ensure compliance with the FCRA.

Supporting Documents : I have attached the following documents for your review : Copies of my disputes and any responses from the credit bureau ( s ).

Documentation supporting my claim ( e.g., payment records, letters from creditors ).

My credit report ( s ) highlighting the inaccuracies.

Thank you for your prompt attention to this matter. I trust that the CFPB will assist in ensuring that my credit reports are corrected and that proper oversight is maintained over the credit reporting process. 

Sincerely, XXXX XXXX