Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Against XXXX XXXX XXXXXXXX XXXX : Violations of the FCRA and Mishandling of Account Information Related to XXXX XXXX XXXXXXXX Account ( Partial Account Number : XXXX ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXXXXXX for violations of the Fair Credit Reporting Act ( FCRA ) related to the handling and reporting of an account associated with Partial Account Number XXXX. The violations include inaccurate reporting of account information, retention of outdated and inconsistent data, and potential mishandling of sensitive personal information. These issues have caused significant harm to my credit profile and financial standing. 

Violations of the FCRA by XXXX XXXX XXXXXXXX XXXX. Inaccurate and Conflicting Account Status Reporting The account is reported as charged off in XX/XX/2023, yet comments on the account state it was closed at the credit grantors request. These conflicting statuses create confusion and demonstrate a failure to report accurate information. 
Violation : Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXXXXXX is required to ensure the accuracy of information furnished to credit reporting agencies. 
XXXX. Retention of Negative Information Beyond Legal Limits The account is scheduled to remain on record until XX/XX/2030, which exceeds the FCRAs 7-year limit for reporting negative information.

Violation : Under 15 U.S.C. 1681c ( a ) ( 4 ), negative information must not remain on a consumer report for more than seven years from the date of first delinquency. If the account has been re-aged to extend the reporting period, this is a willful violation of the FCRA.

3. Payment History Inconsistencies Payment history indicates OK statuses for XXXX, which conflicts with the charge-off status reported in XXXX 
Violation : Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXXXXXX must ensure the completeness and accuracy of payment history reporting. 
XXXX. Fluctuating and Unverified Balances The reported balances show unexplained fluctuations ( e.g., {$28000.00} in XX/XX/2023 to {$26000.00} in XX/XX/2023 ). These discrepancies raise concerns about the validity of the information provided. 
Violation : XXXX XXXX  XXXX has failed to verify these balances as accurate, in violation of 15 U.S.C. 1681e ( b ).

5. Missing Scheduled Payment and Actual Payment Data The report includes no data for scheduled payment amounts, despite the account showing a high balance and payments being made.

Violation : Incomplete reporting violates 15 U.S.C. 1681i ( a ) ( 1 ), which requires consumer reports to be complete and not misleading.

Privacy and Name Change Violations 6. Unauthorized Use and Sharing of Name Change Information XXXX XXXX  XXXX associated my legal name change, XXXX XXXX XXXX, with this account despite me never disclosing this information directly to them. This raises serious concerns about how they accessed or shared my private information. 
Violation : This constitutes an unauthorized disclosure under 15 U.S.C. 1681b, which governs permissible purposes for accessing and sharing consumer data.

7. Failure to Safeguard Private Information If XXXX XXXX  XXXX shared my private information without my consent, it violated 15 U.S.C. 1681c-2, which requires consumer reporting agencies and furnishers to safeguard sensitive consumer data. 
Failure to Conduct Proper Verification and Reporting 8. Lack of Verification of Discrepancies XXXX XXXX  XXXX has failed to verify discrepancies, such as fluctuating balances and missing payment details, with the credit reporting agencies or to provide proof of investigations. 
Violation : Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to investigate and correct inaccurate or disputed information.

9. Misleading Post-Closure Reporting The account lacks a clear distinction in reporting between the period before it was closed by the credit grantor and after closure. This failure misrepresents the account 's true status. 
Violation : XXXX XXXX XXXXXXXX has failed to comply with 15 U.S.C. 1681c ( a ) by not accurately reporting post-closure information. 
Requested Resolution To address these violations, I request the following actions from XXXX XXXX XXXXXXXX : Permanent Deletion of the Trade Line Remove all references to the account ( Partial Account Number : XXXX ) from my credit report, including all negative information associated with this account. 
Written Acknowledgment of Errors and Privacy Violations Provide a detailed acknowledgment of the errors in reporting, as well as an explanation of how my private information, including my legal name change, was accessed or shared without my authorization. 
Compensation for Damages Provide statutory damages of up to {$1000.00} per violation, as allowed under 15 U.S.C. 1681n ( a ), and compensate me for financial and emotional harm caused by these inaccuracies and privacy violations. 
Free Credit Monitoring Services Offer two years of free credit monitoring services to ensure the accuracy of my credit reports and to protect against further errors or misuse of my personal information.

Transparency in Reporting Provide : Documentation validating the charge-off amount and reported balances.

Evidence that my personal name change information was not improperly disclosed.

Confirmation that all inaccurate or incomplete information has been corrected.

Improved Reporting Practices Commit to reviewing and updating internal policies to ensure compliance with the FCRA, particularly regarding accuracy, completeness, and consumer privacy.

Conclusion XXXX XXXX XXXXXXXX actions demonstrate negligence in reporting accurate account information and respecting consumer privacy. These violations have caused harm to my credit profile and financial reputation. I respectfully request the CFPB to investigate these violations, enforce compliance with federal law, and compel XXXX XXXX XXXXXXXX to provide the requested resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX