Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverified information on my credit report. Despite my repeated disputes and requests for reinvestigation, XXXX has failed to correct or remove this inaccurate information as required by 15 U.S.C. 1681i ( a ). Their continued reporting of this incorrect data is causing significant harm to my creditworthiness and financial stability. Despite these clear legal requirements, I have observed that the CFPB has FAILED to hold these credit reporting agencies ACCOUNTABLE for ongoing violations of these provisions. In many instances, inaccurate and unverified information remains on consumer credit reports, causing significant harm to consumers credit scores, financial stability, and overall well-being. The CFPBs failure to ENFORCE these laws effectively allows credit reporting agencies to act with impunity, ignoring the rights of consumers under the FCRA. In XX/XX/XXXX I made a complaint via the cfpb about XXXX not correcting an existing problem with reporting inaccurate and unverified information AFTER A DISPUTE XXXX responded through the CFPB portal that every account I listed came back VERIFIED. I want to know how that could be when it shows on my XXXX credit report that THE DATE OF FIRST DELINQUENCY FOR XXXX XXXX {$1000.00}, IS XX/XX/XXXX but reports no data for the entire year of XXXX. It shows the first major delinquency is XX/XX/XXXX but not only does it show no data, but I also received a letter on XX/XX/XXXX showing a {$0.00} balance as of XX/XX/XXXX. ON the payment status it shows a charge off in XXXX XXXX. Last payment date for Experian shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. How can any bureau report that it's a charge off for XX/XX/XXXX when my letter shows a paid in full account from the original creditor in XX/XX/XXXX. XXXX XXXX- {$2200.00} XXXX XXXX DATE OF FIRST DELINQUENCY is XX/XX/XXXX but payment status shows the account being charged off in XXXX. XXXX also shows XXXX and XXXX Showing the account being 150 days late? HOW could BOTH MONTHS be late 150 days? no data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account shows 120 days late in XXXX and XXXX FOR EXPERIAN how is that 'VERIFIED ''? XXXX XXXX- {$3600.00}, Shows date of first delinquency ON XXXX XXXX XX/XX/XXXX but credit report status shows XX/XX/XXXX, It shows no data from XXXX XXXX no data XXXX, its reported-ON TIME PAYMENTS ON Experian CREDIT REPORT from XXXX XX/XX/XXXX, no data from XXXX. IF ITS VERIFIED THEN HOW COULD THIS ACCOUNT SHOW A CHARGE OFF FROM XXXX XXXX TO XXXX XXXX FOR EXPERIAN BUT ON XXXX IT SHOWS XXXX AS A COLLECTION? inconsistent and obviously not verified properly. XXXX XXXX- {$1700.00} XXXX is reporting LAST PAYMENT DATE XX/XX/XXXX Experian is showing XX/XX/XXXX. XXXX and Experian show account is paid, and XXXX shows its derogatory. If the last payment was reported on my CR on XX/XX/XXXX, why does it show no data? XXXX XXXX {$1600.00} shows DATE OF FIRST DELINQUENCY XX/XX/XXXX but shows no data for the payment status for the whole year in XXXX. It shows the last payment is XX/XX/XXXX but on my XXXX credit report it reports as a charged off account. I also have a letter from XXXX XXXX XXXX XXXX {$0.00} balance and nowhere in the letter did it say the account was charged off with a balance of {$1600.00}. XXXX XXXX XXXXXXXX {$1200.00} Shows date of last payment as XX/XX/XXXX on my XXXX report but XX/XX/XXXX on my Experian report. It reports DATE OF FIRST DELINQUENCY IS XX/XX/XXXX on XXXX but payment status shows no data for the year XXXX? Furthermore, it shows {$1200.00} CHARGED OFF and DATE OF FIRST DELIQUENCY IS XX/XX/XXXX on my XXXX credit report but my letter shows that the account was paid in full of a {$0.00} balance as of XX/XX/XXXX. HOW CAN AN ACCOUNT SHOW WRITTEN OFF, CHARGE OFF WITH A BALANCE but the letter says paid in full? XXXX XXXX XXXX- {$1400.00} is Reporting to my XXXX XXXX the PAST DUE payments for XXXX but on Experian it shows on time payments from XXXX, XXXX XXXX is reporting the account as CHARGED XXXX. Experian shows DATE OF LAST PAYMENT IS XX/XX/XXXX, XXXX says last payment is XX/XX/XXXX. It shows on XXXX the DATE OF FIRST DELINQUENCY XX/XX/XXXX BUT THE PAYMENT STATUS SHOWS THE DATE AS XX/XX/XXXX BEING FIRST DELIQUENCY. XXXX and Experian show account status as paid but XXXX shows DEROGATORY. XXXX is reporting XXXX and XXXX is past due for 150 days how could both months be past due 150 days? Did you verify these inaccuracies? XXXX  XXXX XXXX- {$20000.00} show the account as PAST DUE for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX but on Experian is ON TIME PAYMENTS. It shows NO DATA for the rest of the calendar year. How is that possible if the account was verified as a charged off account? It shows DATE OF LAST PAYMENT on XXXX XX/XX/XXXX but XX/XX/XXXX on Experian. It shows high credit of {$23000.00} for XXXX but {$20000.00} for XXXX. NOT TO MENTION I AM A VICTIM OF THE XXXX DATA BREACH. I DID REAL INTENSIVE RESEARCH ON ALL ACCOUNTS THAT ARE NOT CONSISTENTLY REPORTING AND I HAVE ALREADY CONTACTED MY GENERAL ATTORNEY ON THIS MATTER! 
XXXX actions are in clear violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Failing to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failing to promptly correct or delete inaccurate or unverifiable information. 
XXXX. XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX : XXXX XXXX sued XXXX after it repeatedly failed to correct inaccurate information on his credit report, including incorrect personal identifying information and credit accounts that did not belong to him. Despite his disputes, XXXX continued to report the inaccurate information. 
Outcome : The court ruled in favor of XXXX, holding that XXXX willfully violated the Fair Credit Reporting Act ( FCRA ) by failing to reinvestigate and correct the disputed information. XXXX was awarded damages for XXXX 's noncompliance with FCRA obligations. 
XXXX. XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX. XXXX XXXX ) XXXX : XXXX XXXX XXXX filed a lawsuit against XXXX for reporting inaccurate information on her credit report. Despite her disputes and providing evidence that the information was incorrect, XXXX failed to correct the errors. 
Outcome : The court found that XXXX violated the FCRA by not properly investigating the dispute and failing to ensure the accuracy of the reported information. XXXX was awarded damages as a result. 
Violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act The CFPB was established under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( Pub.L. 111203, H.R. 4173 ) with the express purpose of protecting consumers from unfair, deceptive, or abusive acts or practices in the financial marketplace. By not ensuring that credit reporting agencies comply with the FCRA, the CFPB is failing in its statutory duty under Dodd-Frank to protect consumers.

The inaction on the part of the CFPB not only undermines the trust that consumers have in the financial system but also contributes to the perpetuation of systemic errors that have far-reaching consequences for individuals financial health.