Product: Credit reporting or other personal consumer reports

In 2018, due to financial difficulties, several of my credit accounts were closed, including those with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These accounts were closed for non-payment and should have been accurately reported as " XXXX '' and subsequently removed from my credit reports after the required period under the Fair Credit Reporting Act ( FCRA ). 

However, despite being closed for over XXXX years, these accounts continue to appear on my credit reports from Equifax, XXXX, and XXXX with incorrect statuses and balances. For example, my XXXX XXXX accounts still show balances of {$1700.00} and {$8500.00}, even though they were charged off in 2018. Similarly, my XXXX XXXX  account is incorrectly reported with a balance of {$4800.00}, and my XXXX XXXX XXXX account reflects a balance of {$7400.00}. These accounts should have been marked as closed with no remaining balance, but they continue to negatively impact my credit score. 

In addition to these issues, several collection agencies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are reporting these debts in a way that inaccurately portrays them as active obligations or open accounts rather than closed and derogatory. For instance, XXXX XXXX XXXX is reporting XXXX accounts with balances of {$1700.00}, {$2400.00}, {$1800.00}, and {$4300.00}, which were originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting XXXX accounts with balances of {$1400.00} and {$1300.00}, originally from XXXX. XXXX XXXX XXXX is reporting a balance of {$1300.00}, originally from XXXX XXXX. XXXX XXXX XXXX  is reporting a balance of {$560.00}. These accounts should be reflected as closed, settled, or charged off, not as if they are still actively accruing balances. 

Over the years, I have made multiple attempts to dispute these inaccuracies with the credit bureaus, requesting that they correct or remove the erroneous information as mandated by the FCRA. Although some corrections were made temporarily, the errors reappeared on my reports, continuing to cause significant harm to my credit score. 

Furthermore, I have requested validation of these debts from the collection agencies involved, seeking documentary evidence to justify the balances they are reporting and to confirm the ownership of these accounts, as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite these formal requests, the agencies failed to provide the necessary validation or documentation, leaving these inaccuracies unresolved on my credit reports. 

The ongoing presence of these inaccuracies has caused considerable financial harm, including difficulty obtaining new credit, higher interest rates, and frequent credit denials. The persistence of incorrect and outdated information on my credit reports is a clear violation of my rights under the FCRA and FDCPA, and it has led to continued financial and emotional distress. 

I am seeking immediate corrective action. I request that all inaccurate and outdated information be permanently removed from my credit reports and that all reported debts be properly validated or removed if they can not be substantiated. I also urge the CFPB to investigate the practices of the credit reporting agencies and collection agencies involved, as their failure to maintain accurate records and their non-compliance with federal regulations have caused ongoing harm to my financial well-being. 

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