Product: Credit reporting or other personal consumer reports

Subject : Final Diligence to Correct Credit Report Errors Before Legal Action Discrepancies Among Credit Bureaus To : Consumer Financial Protection Bureau ( CFPB ), Equifax, TransUnion, Experian Re : Inaccurate Information on Credit Report Discrepancies Among Credit Bureaus Dear CFPB, This letter serves as my final diligence to resolve ongoing errors on my credit report. Should these issues remain unresolved, I will pursue formal legal action in court against the relevant credit bureaus and furnishers under the applicable laws.

I have previously disputed the inaccuracies outlined below with Equifax, TransUnion, and Experian, providing proof of identity and supporting documentation. Despite these efforts, the credit bureaus continue to report incorrect information. This failure to correct the inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), and I am prepared to escalate this matter legally if not resolved promptly. 

Accounts in Dispute and Inaccurate Reporting : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Reported by all three bureaus ( Equifax, TransUnion, Experian ). 
Discrepancy : All three bureaus report a 60-day delinquency but differ regarding last activity and scheduled payment information. 
Issue with Equifax : Equifax is not reporting my on-time payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Failing to report and provide correct information is a violation of my rights under the FCRA. 
I have disputed this before, and the bureaus have claimed that the account was investigated and confirmed as correctly reported. However, discrepancies remain unresolved, and the information is still inaccurate across the reports. 
XXXX XXXX XXXX ( Account Number : XXXX ) This account was closed and the property sold in XXXX, and no activity should be reported after that date. 
Issue with Equifax : Despite the closure, Equifax continues to report payments, and there are discrepancies regarding late payments across all three bureaus. This incorrect reporting must be rectified immediately. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Equifax and Experian report a 30-day delinquency, while TransUnion does not reflect this delinquency. 
Issue : There should be no late payments reported on this account. This matter remains unresolved despite previous disputes. 
XXXX XXXX XXXX ( Account Number : XXXX ) Equifax lists a 30-day delinquency with a closed account status, while TransUnion and Experian show no such delinquencies and have discrepancies in the closed date. 
Issue : There should be no late payments reported on this account. 
XXXX XXXX ( Account Number : XXXX ) This account is not mine. I have no knowledge of this account, and I previously disputed it with Equifax, providing proof of my identity. 
Issue with Equifax : Despite the dispute and the proof provided, Equifax continues to claim that the account was verified as mine. However, Equifax has failed to provide any documentation proving the account belongs to me or how they verified its accuracy. This account should be immediately removed from my report. 

Violations of Federal Law : The discrepancies outlined above, combined with the failure to correct them after multiple disputes, constitute violations of the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681i : Failure of the credit reporting agencies to correct inaccurate information after a dispute investigation.

15 U.S.C. 1681e ( b ) : Duty of credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681n : Provides for civil liability for willful noncompliance, which may result in monetary damages, including punitive damages.

15 U.S.C. 1681o : Provides for civil liability for negligent noncompliance, including damages for any actual harm caused by the inaccuracies.

Given the repeated errors and the failure to address my disputes, I request the CFPBs assistance in ensuring these credit bureaus correct their records. If these inaccuracies are not resolved immediately, I will escalate this matter legally, including filing suit for damages under 15 U.S.C. 1681n and 1681o.