Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute of Erroneous Credit Report Information Request for Immediate Correction To Whom It May Concern, I am writing to formally lodge a complaint regarding erroneous and fraudulent information on my credit reports maintained by Experian and TransUnion, which has resulted in significant damage to my creditworthiness. Despite multiple attempts to resolve these issues directly with the credit bureaus, they have failed to address and remove the inaccurate information, violating my rights as a consumer under federal law.

I have been a victim of fraud, and I have provided all necessary documentation, including supporting evidence of the fraudulent activity, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), particularly under Section 1681w, which outlines my rights regarding disputes and the reporting of erroneous information. Despite this, Experian and TransUnion have continued to report inaccurate and misleading details, particularly concerning late payments that I never made.

As stated in 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), the credit reporting agencies are required to ensure that all information provided is accurate, complete, and timely. The continued listing of late payments and inaccurate informationespecially from XXXX XXXX my credit report is a direct violation of these federal requirements. Notably, XXXX XXXX has failed to provide any verifiable documentation that supports the claim of late payments for the months in question ( XX/XX/XXXX and XX/XX/XXXX ), even though I made timely payments. They can not prove that the payments were not received, and as such, the negative remarks are wholly erroneous. 

Additionally, I request the immediate removal of any fraudulent or erroneous information on my credit reports, specifically : Experian must immediately remove all negative remarks and late fees that are inaccurate and do not reflect my true payment history. 
TransUnion must similarly remove any incorrect information related to XXXXXXXX XXXX, including late fees and any other inaccuracies in their reporting. 
I also request the removal of any mention of my annual income from my credit report, as this information is irrelevant to my creditworthiness and is not an accurate representation of my financial standing. 
I am requesting that these corrections be made immediately, as they are directly impacting my ability to maintain a fair and accurate credit report. If these issues are not corrected within 60 days, I will be forced to pursue legal action, as I am entitled to under the Fair Credit Reporting Act. 

As a consumer, I am entitled to the protection and accuracy guaranteed by federal law. Therefore, I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that these errors are rectified promptly. 

Please confirm that the necessary actions have been taken to remove the erroneous information and that the credit bureaus are compliant with their legal obligations. I have taken all appropriate steps to resolve this directly with the credit bureaus, and I trust that the CFPB will ensure these matters are addressed in a timely and legal manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX