Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies and unauthorized accounts on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my repeated attempts to dispute these errors with the credit bureaus, they have failed to take the necessary corrective actions. 



1. Outdated Collection Accounts Under 15 U.S.C. 1681c ( a ), credit reporting agencies can not report collection accounts older than seven years. However, XXXX, XXXX, and XXXX continue to report outdated collection accounts that should have been automatically removed. 



2. Inaccurate Personal Information Incorrect Age Listed by XXXX XXXX is incorrectly reporting my age, violating 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer data. This inaccuracy could negatively impact my creditworthiness. 



XXXX. Fraudulent and Incorrect Collection Accounts Medical Data Systems {$1200.00} : I have never conducted business with Medical Data Systems, yet they are attempting to collect {$1200.00} on my credit report. This account is fraudulent and must be immediately removed. 

Incorrect Auto Loan Balance : My credit report shows an incorrect balance for my auto loan. The reported amount is not accurate, and I demand verification and correction. 

XXXX XXXX XXXX XXXX : My balance with XXXX XXXX is incorrect. My actual balance should be {$2000.00}, but the reported amount is different. This must be corrected immediately. 



XXXX. Unauthorized XXXX XXXXXXXX Account Someone fraudulently added me as an authorized user on a XXXX XXXX account without my knowledge or consent. This account now appears on all three credit bureau reports ( XXXX, XXXX, and XXXX ), negatively affecting my credit profile. I have disputed this for months, yet the credit bureaus have failed to remove it. I demand its immediate removal. 



XXXX. Request for Removal from XXXX and XXXX In addition to these disputes, I formally request that my personal data and accounts be removed from XXXX and XXXX records due to their repeated failure to maintain accurate reporting and resolve my disputes in compliance with the FCRA. 



Requested Actions : I am requesting the CFPBs immediate intervention to ensure that : 1. All outdated collection accounts are permanently removed from my credit report. 

2. Medical Data Systems fraudulent collection account is deleted. 

XXXX. XXXX corrects my personal information to reflect my accurate age. 

XXXX. The incorrect auto loan balance is verified and corrected. 

XXXX. XXXX XXXX updates my account balance to reflect {$2000.00}. 

XXXX. The unauthorized XXXX XXXX account is immediately removed. 

XXXX. My personal data is removed from XXXX and XXXX due to their failure to comply with the FCRA. 

XXXX. The credit reporting agencies are held accountable for their continued failure to resolve disputes and maintain accurate records. 



I have enclosed supporting documentation, including a copy of my credit report highlighting these errors. Please investigate this matter promptly and advise me on the next steps to ensure full compliance with federal consumer protection laws. 



Thank you for your time and attention. I look forward to your prompt response and resolution of these issues. 



Sincerely, XXXX