Product: Credit reporting or other personal consumer reports

# # Summary for CFPB and FCRA Complaint **Subject : ** Formal Complaint Regarding Credit Reporting and Debt Collection Violations **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Issues : This complaint highlights systemic violations by multiple creditors, furnishers, and credit reporting agencies ( CRAs ), resulting in severe inaccuracies and harm to my credit profile. The following issues are identified : -- - # # # **Violations of the Fair Credit Reporting Act ( FCRA ) : ** 1. **Failure to Conduct Reasonable Investigation : ** - Section 1681s-2 ( b ) : Creditors and CRAs failed to conduct proper investigations after disputes were filed. 

2. **Inaccurate Information Reporting : ** - Section 1681e ( b ) : CRAs failed to ensure the accuracy of information reported, including : - Incorrect payment history. 
- Re-aging of delinquent accounts. 
- Misrepresentation of charge-offs as active accounts. 

3. **Improper Reinvestigation : ** - Section 1681i ( a ) : CRAs did not reinvestigate disputed items in good faith, leaving inaccuracies unresolved. 

4. **Incorrect Reporting Beyond Statutory Limits : ** - Section 1681c : Charge-offs and delinquency dates were improperly reported beyond the allowable statutory period. 

-- - # # # **Violations of the Truth in Lending Act ( TILA ) : ** 1. **Failure to Provide Clear Disclosures : ** - Section 1026.17 : Credit terms, including payment schedules and fees, were not disclosed accurately.

2. **Misrepresentation of Finance Terms : ** - Section 1026.18 : Credit transactions were misrepresented as loans, misleading the borrower about the nature of the agreement. 

-- - # # # **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** 1. **Unauthorized Communication : ** - Section 1692c : Debt collectors communicated without my consent or proper authorization. 

2. **False or Misleading Representations : ** - Sect

ion 1692e : - Misrepresentation of debt character, amount, and legal status.

- Threatening legal actions not intended to be taken or legally permissible. 
- Communicating false information to CRAs, including disputed accounts. 

3. **Use of Deceptive Forms : ** - Section 1692j : Debt collectors furnished deceptive forms to create the false belief that a third party was involved in debt collection. 

-- - # # # **Impact of Violations : ** 1. **Financial Harm : ** - Loss of creditworthiness, denial of credit opportunities, and increased borrowing costs. 

2. **Emotional Distress : ** - Harassment and stress caused by deceptive and inaccurate reporting. 

3. **Interstate Commerce Impact : ** - These violations disrupt fair credit reporting and debt collection practices, negatively affecting financial systems reliant on accurate data. 

-- - # # # **Requested Action : ** 1. **Immediate Investigation and Correction : ** - Ensure all inaccuracies are corrected on my credit report across all CRAs. 

2. **Accountability for Violators : ** - Impose statutory penalties and sanctions against entities responsible for these violations.

3. **Compensation : ** - Request damages for financial harm and emotional distress under the FCRA , TILA, and FDCPA provisions.

4. **Regulatory Oversight : ** - Recommend increased oversight and auditing of the involved entities to prevent recurrence. 

**Attachments : ** Detailed exhibits and supporting documents have been provided for review. 
# # # Comprehensive Dispute Document **Subject : ** Full-Proof Dispute with Supporting Exhibits, Violations, and Remedies for Injury\ **From : **\ **Date : XXXX **Address : XXXX XXXX XXXXAccount Number ( s ) : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX - Account Number XXXX XXXX XXXX XXXX XXXX, XXXX - Account Number : XXXX, XXXX XXXX, XXXX - Account Number : XXXX -- - # # # # INTRODUCTION : This letter serves as a formal dispute regarding the inaccurate and incomplete information reported by [ Creditor/Furnisher Name ] to the credit reporting agencies ( CRAs ). This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other applicable laws. 

-- - # # # # VIOLATIONS IDENTIFIED : 1. **FCRA Violations : ** - **Section 1681s-2 ( b ) : ** Failure to conduct a reasonable investigation upon notification of a dispute. 
- **Section 1681e ( b ) : ** Failure to maintain accurate information.

- **Section 1681i ( a ) : ** Failure of the CRA to conduct proper reinvestigation upon dispute. 
- **Section 1681c : ** Incorrect reporting of charge-offs and aging beyond the statutory limit.

2. **TILA Violations : ** - **Section 1026.17 : ** Failure to provide clear and accurate disclosures related to credit terms.

- **Section 1026.18 : ** Misrepresentation of finance charges and annual percentage rates ( APR ). 
- **Misrepresentation of Credit Terms : ** Incorrectly labeling credit transactions as loans. 

3. **FDCPA Violations : ** - **Section 1692c : ** Communication without my consent and without proper authorization. 
- **Section 1692e : ** Misrepresentation of the character, amount, or legal status of a debt. Specific violations include : - ** ( 2 ) : ** Misrepresentation of the character, amount, or legal status of any debt.

- ** ( 5 ) : ** Threat to take action that can not legally be taken or is not intended to be taken. 
- ** ( 8 ) : ** Communicating false credit information or failing to indicate a disputed debt.

- **Section 1692j : ** Furnishing deceptive forms to create the false belief that a person other than the creditor is collecting a debt. 

4. **Contract Breaches : ** - Aging and re-aging of payment history without basis. 
- Unauthorized sale of property or accounts without proper notice. 

-- - # # # # REMEDIES FOR INJURY : 1. **FCRA Violations : ** - **Statutory Damages : ** Up to \ {$1000.00} per violation under 15 U.S. Code 1681n. 
- **Actual Damages : ** Compensation for financial harm, emotional distress, and loss of credit opportunities. 

2. **TILA Violations : ** - **Statutory Damages : ** Up to \ {$5000.00} for each instance of non-compliance under 15 U.S. Code 1640. 

3. **FDCPA Violations : ** - **Statutory Damages : ** Up to \ {$1000.00} per violation under 15 U.S. Code 1692k. 

4. **Contract Breaches and Misrepresentation : ** - **Damages for Loss of Property Value : ** Compensation for unauthorized sales or breaches. 
- **Equitable Relief : ** Nullification of contracts improperly formed or executed. 

-- - # # # # DISPUTED ACCOUNTS AND DETAILS : 1. **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX 

- **Account Number : ** XXXX - XXXX : ** Inaccurate reporting of balance and delinquency. Misrepresentation of charge-off status without proper updates after sale. 
- **Supporting Exhibit : ** Refer to Exhibit A and Exhibit C. 

2. **Account Name : ** XXXX XXXX XXXX XXXX - **Account Number : ** XXXX - **Issues : ** Re-aging of delinquency dates. Charged-off account reported as active, contrary to the FCRA. 
- **Supporting Exhibit : ** Refer to Exhibit B and Exhibit D. 

3. **Account Name : ** XXXX XXXX XXXX - **Account Number : ** XXXX - XXXX : ** Improper reporting of sold charge-offs as active accounts. Violation of FDCPA for harassment and misleading representations. 
- **Supporting Exhibit : ** Refer to Exhibit C and Exhibit D. 

4. **Account Name : ** XXXXXXXX XXXX  XXXX - **Account Number : ** XXXX - XXXX : ** Re-aging of accounts, misrepresentation of payment history, and improper closure status. Violations include inaccurate reporting under FCRA and TILA.

- **Supporting Exhibit : ** Refer to Exhibit E and Exhibit F. 

5. **Account Name : ** XXXX - XXXX*Account Number : ** XXXX - XXXX : ** Aging and re-aging of delinquent accounts, misrepresentation of debt status, and failure to notify of account sales. 
- **Supporting Exhibit : ** Refer to Exhibit G and Exhibit H. 

6. **Account Name : ** XXXX XXXX, XXXX. 

- **Account Number : ** XXXX - XXXX : ** Failure to properly update payment statuses. Incorrect reporting as " closed '' without reflecting accurate history. 
- **Supporting Exhibit : ** Refer to Exhibit I. 

7. **Account Name : ** XXXX XXXX, XXXX. 

- **Account Number : ** XXXX - XXXX : ** Reporting " paid '' accounts with re-aged delinquency. Violations under FCRA for misleading information. 
- **Supporting Exhibit : ** Refer to Exhibit J. 

-- - # # # # EXHIBITS : 1. **Exhibit A : ** Copy of " XXXX Credit Report - XXXX '' with highlighted inaccuracies. 
2. **Exhibit B : ** " XXXX XXXX '' with noted violations of payment history reporting. 
3. **Exhibit C : ** Proof of correspondence, including dispute notices. 
4. **Exhibit D : ** Supporting evidence of payment history discrepancies and re-aging issues from " XXXX XXXX '' and " XXXX '' 5. **Exhibit E : ** XXXX account details with specific violations documented in " XXXX - XXXX. '' 6. **Exhibit F : ** Highlighted violations in " XXXX. '' 7. **Exhibit G : ** XXXX loan misrepresentation cases from " XXXX. '' XXXX. **Exhibit H : ** Supporting evidence from " charge offs.docx. '' 9. **Exhibit I : ** XXXX XXXX payment history errors from " XXXX XXXX. '' 10. **Exhibit J : ** XXXX XXXX account re-aging issues from " XXXX - XXXX '' -- - # # # # REQUEST FOR RELIEF : I request the following : 1. Immediate removal of inaccurate information from my credit report.

2. Written confirmation of the corrections within 15 days of receipt of this letter. 
3. Compensation for injuries suffered as a result of these violations, including : - Damages for loss of creditworthiness.

- Reimbursement of fees incurred. 

-- - NOTICE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX Re : Formal Complaint Against Credit Reporting Agencies and Debt Buyers for Misconduct , Inaccuracies, Unauthorized Inquiries, and Incorrect Personal Information on My Credit Report Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am filing this formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and debt buyers. These violations include inaccurate reporting of charge-offs, unauthorized inquiries, incorrect personal information ADDRESS NAMES, and errors that continue to harm my credit profile. Despite my efforts to resolve these matters directly, the violations remain unaddressed. I seek your intervention to enforce the law and hold the responsible parties accountable. 
MY NAME XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Violations of Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I recently got a copy of my consumer file and noticed that there was inaccurate information. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information from. Please PERMANENTLY REMOVE the following. 
This letter serves as a demand for immediate corrective actions, including the removal of inaccurate information from my credit report and the imposition of appropriate fines and penalties for your non-compliance.the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I demand immediate corrective actions, including the removal of inaccurate information, imposition of fines, and enforcement of compliance with relevant laws You are referring to a portion of 15 U.S. Code 1681c ( a ), which outlines restrictions on the inclusion of certain types of information in consumer reports. Here 's a rewritten version of the relevant clause with clarity on what consumer reporting agencies can not include : Consumer reporting agencies are prohibited from including in a consumer report any adverse items of information ( other than records of convictions of crimes ) that are older than 7 years. This includes adverse financial data such as : Accounts sent to collections. 
Charged-off accounts. 
Any other negative financial information. 
However, records of convictions of crimes are an exception to this rule and may be reported beyond the 7-year limitation. 
This provision ensures that outdated and irrelevant negative information ( except criminal convictions ) does not unfairly impact a consumer 's creditworthiness or access to opportunities. 
INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s-2 ( a ) ( 1 ) pertains to the responsibilities of entities that furnish information to consumer reporting agencies, ensuring accuracy in the information they provide. Here 's a clear summary : 15 U.S. Code 1681s-2 ( a ) ( 1 ) - Duty of Furnishers to Provide Accurate Information 1. Prohibition on Reporting Inaccurate Information : A furnisher ( such as a creditor or lender ) can not knowingly furnish information to a consumer reporting agency if : The information is inaccurate. 
The furnisher has reason to believe the information is inaccurate. 
2. Obligation to Update and Correct Information : If the furnisher discovers that previously provided information is inaccurate or incomplete, they must : Promptly correct or update the information.

Notify all consumer reporting agencies to which the inaccurate information was furnished. 
INCORRECT NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This section ensures that entities providing data to credit bureaus uphold accuracy and transparency, reducing the risk of harm to consumers due to incorrect information on their credit reports. Would you like further details or help crafting a notice or dispute related to this? 
Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), it is explicitly prohibited for any person to furnish information to a consumer reporting agency if : The information relates to a transaction or experience ( e.g., payment history ) that the person knows or has reasonable cause to believe involves an illegal activity. 
This includes any dealings or transactions, such as reporting payment history or account activities, that are associated with unlawful conduct. Reporting such information is considered a violation of federal law and undermines the integrity of consumer reporting. 
Let me know if you need help drafting this into a formal letter or document! 
Under 15 U.S. Code 1681b ( f ), the illegal reporting of inquiries refers to the prohibition of accessing or furnishing consumer reports for impermissible purposes. Here 's how this applies : Illegal Reporting of Inquiries : A consumer reporting agency or any person shall not obtain or use a consumer report unless : 1. The report is requested for a permissible purpose as outlined in 15 U.S. Code 1681b ( a ) ( e.g., credit applications, employment, insurance underwriting ). 
2. The requester has a legitimate business need for the information, authorized by the consumer or required by law. 
If an inquiry appears on a consumer 's credit report without a valid permissible purpose or the consumer 's authorization, this constitutes illegal reporting of inquiries. Such unauthorized inquiries can harm a consumer 's credit score or appear as misuse of their personal information. 

Would you like help drafting a dispute letter to address unauthorized inquiries or further explanation of permissible purposes? 



Companies IN VIOLATIONS I HAVE NO CONTRACTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Credit reporting agencies have allowed unauthorized hard and soft inquiries to appear on my credit report. Under 15 U.S. Code 1681b ( 604 ) ( a ), a consumer report may only be furnished for permissible purposes, such as when there is a direct contractual relationship or when the consumer has provided explicit written consent. In my case, I did not authorize these inquiries. The continued presence of these inquiries violates the FCRA, and they must be deleted immediately. 

HARD INQUIRIES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Credit Report XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX, XXXX EQUIFAX - XXXX XX/XX/XXXX EQUIFAX - XXXX XXXX XXXX Consumer Interview System XX/XX/XXXX XXXX 1. Violations of 15 U.S. Code 1681b Permissible Purposes of Consumer Reports The credit reporting agencies have violated 15 U.S. Code 1681b ( 604 ) ( a ) by furnishing my consumer report to third-party debt buyers who do not have a valid contract with me. I have not authorized these parties to access or report on my credit file, yet their erroneous entries, including charge-offs and other derogatory marks, continue to appear on my report. 
2. Violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of Furnishers of Information Creditors and debt collectors, who have no valid contractual relationship with me, have continued to report charge-off accounts that have been sold to third parties. These furnishers are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) by reporting inaccurate and outdated information, which misrepresents the status of the debts. Once an account has been sold, the original creditor no longer has the legal standing to report it as active. 

THIRD PARTY I HAVE NO CONTRACTS WITH Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX, Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Account Designator Code XXXX  Date Assigned XX/XX/XXXX Account Number XXXX XXXX  Original Amount Owed {$1900.00} Creditor Classification Educational Amount {$1900.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2300.00} Creditor Classification XXXX XXXX XXXX XXXX Amount {$2500.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Consumer disputes this account information Medical Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX. Reporting Charge-Offs which is Income Violations of 15 U.S. Code 1681c Creditors have unlawfully reported charge-off amounts as income, which is explicitly prohibited under 15 U.S. Code 1681c. This practice is not only misleading but also illegal, as it distorts the accuracy of my financial records. Such actions are further compounded by the failure to update the information to reflect that the debts have been sold, which results in a violation of 15 U.S. Code 1666. 

CHARGER OFFS REAGING ON CREDIT REPORT AS CURRENT Date of Last Activity Scheduled Payment Amount Months Reviewed XXXX Delinquency First ReportedActivity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount $ XXXX Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX Deferred Payment Start Date Charge Off Amount {$15000.00} Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Account previously in dispute now resolved by data furnisher Charged off account Auto Contact XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. No Valid Contract with Debt Buyers Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, consumer reporting agencies and creditors may only report information backed by a valid contract with the consumer. Debt buyers reporting my accounts have no such legal standing, as I never entered into any agreement with these third-party collectors. Therefore, their continued reporting is a violation of the FCRA and a clear breach of federal law. 
5. Violations of 15 U.S. Code 1681e ( b ) Ensuring Accuracy in Reporting Credit reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information they report under 15 U.S. Code 1681e ( b ). However, the continued inclusion of inaccurate charge-off accounts, misreported debts, and outdated information on my credit report demonstrates their failure to comply with this legal obligation.

6. Adverse Information Reporting Violations of 15 U.S. Code 1681a ( 5 ) The reporting of adverse information, including sold charge-offs, violates 15 U.S. Code 1681a ( 5 ). Adverse information can not be reported without ensuring it reflects the accurate status of the account. The failure to update my report with correct information constitutes a blatant violation of the FCRA. 
7. Violations of 15 U.S. Code 1692b ( 5 ), 1692d ( 2 ), and 1692c ( a ) FDCPA Violations The debt collectors in question have also violated the Fair Debt Collection I 3. Sold Charge-Offs Reported by Original Creditors Violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) Creditors are prohibited from reporting debts they no longer own under 15 U.S. Code 1681s-2 ( a ) ( 1 ). However, several sold charge-off accounts are still being reported as though they are owned by the original creditor. This misrepresentation misleads credit reporting agencies and potential lenders, violating both the FCRA and my consumer rights. These accounts should be immediately removed, and the creditors should face fines for this violation. 
4. No Valid Contract with Debt Buyers Violations of