Product: Credit reporting, credit repair services, or other personal consumer reports

This is the letter I addressed to CRA 's XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX This is a formal complaint that you are reporting inaccurate information, you are required by federal law to conduct a reasonable investigation to determine if the disputed information is accurate or delete the item from my consumer report in accordance with paragraph ( 5 ), if you are unable to verify and validate the accounts with the original documents with my signature any negative or inaccurate information on my credit report should be removed from my consumer report in 15-30 days, this includes inaccurate late payment history. I received notification that XXXX is reporting recent late payment, this is very strange as I have nearly FOUR YEARS of good payment history. In addition there is a federal mandate to suspend student loan payments until XX/XX/XXXX. I am currently in Covid-19 emergency relief, all of my student loans are in good standing and currently paid as agreed. XXXX has had consistent payments since XXXX according to Experian report and since XXXX other XXXX and XXXX. I do not know where you are getting your furnished information from. My credit report is very important to me and my family, as a result of your negligence my score has dropped XXXX points from XXXX to XXXX due to the improper reporting data. I am looking to purchase a home and new car, I am devastated. You are a consumer reporting agency, you have a mandate to be 100 % compliant with the Bureau the Bureau of Consumer Financial Protection ( CFPB ) and all sections and subsections pertaining to our credit reporting and consumer laws. 

I have a closed XXXX auto loan account that was paid in full, this account has been reporting inaccurate amounts and inaccurate late payments. I have previously disputed and you fail to remove the late payments or correct amounts nor respond with any proper validation or verification. For reference purposes Fair Credit Reporting Act Sec, 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX. This law is in my favor to protect my consumer rights, if I must prove it I will. I am only requesting legitimate proof of your findings or that the late payments be expunged permanently. Fed loan is also reporting inaccurate closing dates, opening dates and inaccurate percentage of loan paid and no.of late payments. All of this is liable for damages in a class action lawsuit not to exceed {$1000.00} and a minimum of {$500000.00} or 1 per centum of the net worth. You have failed to maintain reasonable procedures to assure 100 % accuracy in the consumer reports you publish. Your agency is violating far too many FCRA & FDCPA laws, including in my report 15 U.S. Code 1681a-Congressional findings and declarations of purpose 15 U.S. Code 1681b-Permissible purposes of consumer reports 15 U.S. Code 1681e-Compliance Procedures 15 U.S. Code 1692e Sec. 807 false or misleading representations ( 11 ) written disclosure Public laws, amendment 111-203 ( XX/XX/XXXX ) I am well informed of my consumer rights, laws and the nature to which you should respond. 
No consumer reporting agency, like XXXX, may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the information is accurate unless they have and can provide actual proof, not computer generated verification responses such as e-OSCAR. Respectfully, I expect to be provided proof of these alleged items of verification, specifically the contract, note, or another instrument bearing my signature according to the Fair Credit Billing Act, FCRA and FDCPA. Please provide the names, date and time of the furnisher used to investigate the information being reported. Highly unacceptable and my credit worthiness is being unjustly judged based on these unfortunate errors. 

It is not my desire to pursue litigation but if your agency continues to list inaccurate items on my report I will aggressively invoke my right to do so starting with contacting your legal department 's general counsel, chief legal officer XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, Group General Counsel ( Experian ) and XXXX XXXX, XXXX Attorney ( XXXX XXXX. 

In addition I will forward my letter of grievance of your negligence to XXXX XXXX, director of enforcement ( CFPB ) and Pennsylvania State Attorney General, XXXX XXXX as needed to enforce my rights for actual damages and declaratory relief as these are serious violations of the Fair Credit Reporting Act and FDCPA. This will be my final warning to dispute and receive a fair response before escalating matters. CRA 's are predatory and I demand that my and all credit reporting be conducted with the diligence and ethical practices. The FCRA provides concurrent jurisdiction in federal and state courts. Under 15 U.S. Code 1681b-Permissible Purpose of consumer reports I never gave you any written consents to report anything on my consumer report. No consent statutes Identity Theft. 
I have contacted the creditor and I am submitting a separate complaint with the CFPB and XXXX. It is not my responsibility but yours to know exactly what is being reported accurately and inaccurately as you state all information on my consumer report has been properly verified and should be 100 % accurate. The accounts below are reporting in error : XXXX  XXXX Acct number : n/a Duplicate accounts, please remove. 

XXXX  XXXX Acct number : n/a Inaccurate payment history, Provide proof or remove immediately. 

XXXX Acct number : XXXX See below XXXX reports accurate history. I do not want this account removed, I have 17 years payment history, I request that the account be updated correctly with payment history. 

XXXX Acct number : XXXX See below XXXX reports accurate history Thank You for you time and assistance in this matter, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX  Please send me an updated copy with the removed items to my address above. I also request that you send notices of corrections to anyone who received my consumer report in the past six months. See below that other credit monitoring and consumer agencies are reporting data different from yours. Please update correctly. 

XXXX Last reported XX/XX/XXXX {XXXX} Reported balance Highest balance {XXXX} You've paid off 57 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {XXXX} Monthly payment {XXXX} OpenedMar XXXX, XXXX ( XXXXXXXX XXXX XXXX XXXX  ) Term300 months ( 25 years ) PAYMENT HISTORY You've made 100 % of payments on time XXXX J XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account was closed on XX/XX/XXXX Last reported XX/XX/XXXX {XXXX} Reported balance Highest balance {$9900.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {XXXX} Monthly payment {XXXX} XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Term51 months ( 4 years ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - Thank You for you time and assistance in this matter, XXXX XXXX XXXX