Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Derogatory Accounts on Credit Report To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone : XXXX Email : XXXX  Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Report Reference Number : XXXX Report Date : XX/XX/XXXX Credit Reporting Agencies : XXXX, Equifax Subject of Complaint : I am submitting this formal complaint due to the presence of inaccurate derogatory accounts on my credit reports from both XXXX and Equifax. These derogatory marks have significantly impacted my credit score, and I believe they are being reported erroneously.

Details of the Inaccuracies : 1. Incorrect Payment Status : Several accounts are being reported as late or in collections, even though I have made payments or resolved disputes. These include : XXXX XXXX ( XXXX and Equifax ) Reported as 90 days late despite payments being made. 
XXXX XXXX XXXX ( XXXX and Equifax ) Reported as late 120 days, though this account should not have been marked delinquent due to resolved payments. 

2. Charge-Offs for Paid or Resolved Accounts : The following accounts are listed as charge-offs, but I have either paid them off or reached settlement agreements that should have updated their statuses : XXXX XXXX ( XXXX and Equifax ) Charge-off status persists despite payments made. 
XXXX XXXX XXXX XXXX ( XXXX and Equifax ) Multiple accounts still marked as charged off after disputes were resolved. 
XXXX XXXX and XXXX ( XXXX and Equifax ) These accounts were charged off but should reflect resolved balances due to settlements made.

3. Inaccurate Balances : Some revolving accounts are showing high balances that are outdated or incorrect. This includes : XXXX XXXX XXXX ( XXXX and Equifax ) Reported balances remain high despite recent payments. 
XXXX XXXX XXXX XXXXXXXX and Equifax ) The balance on this account is also outdated and does not reflect current payments.

4. Disputes Not Properly Resolved : Several accounts reflect disputes that were supposedly resolved, but the resolution has not been satisfactory, and the derogatory marks remain : XXXX XXXX XXXX XXXX  XXXX and Equifax ) The account was marked as a charge-off despite a resolution of my dispute. 
XXXX XXXX ( XXXX and Equifax ) The account is listed as a resolved dispute, though I disagree with the outcome, and the derogatory mark is incorrect. 

5. Duplicate or Repetitive Accounts : Equifax is reporting duplicate entries for the following accounts, which unfairly impacts my credit score : XXXX XXXX XXXXXXXX XXXX XXXX listings for the same account appear on my Equifax report. 
XXXX XXXX The same account is reported more than once, and the duplicate entry contributes to an incorrect number of derogatory accounts. 

6. Outdated Information : Some accounts, such as XXXX XXXX and XXXXXXXX XXXX appear to have been listed as derogatory for an extended period, longer than the statutory seven years for charge-offs and collections. These outdated entries should be removed. 

Derogatory Account Breakdown : XXXX XXXX XXXX Accounts : XXXX. XXXX XXXX XXXX {$3500.00} ( Collection/Chargeoff ) XXXX XXXX XXXX {$3400.00} ( Collection/Chargeoff ) XXXX XXXX XXXX XXXXXXXX XXXX {$580.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX XXXXXXXX {$1700.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX {$270.00} ( Late 90 Days ) XXXX. XXXX XXXXXXXX {$620.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX XXXX {$930.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX {$3500.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX {$490.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX XXXX {$1300.00} ( Late 120 Days ) Equifax XXXX Derogatory Accounts : XXXX. XXXX XXXX XXXX {$3500.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX XXXX$3400.00} ( Collection/Chargeoff ) XXXX XXXX XXXX  XXXX XXXX {$580.00} ( Collection/Chargeoff ) XXXX. XXXXXXXX XXXX XXXXXXXX {$1700.00} ( Collection/Chargeoff ) XXXX XXXX XXXX {$620.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX XXXX {$930.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX {$3500.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX {$490.00} ( Collection/Chargeoff ) XXXX. XXXX XXXX XXXX {$1300.00} ( Late 120 Days ) XXXX. XXXX XXXX {$270.00} ( Late 90 Days ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( second account ) {$1700.00} ( Collection/Chargeoff ) XXXX. XXXXXXXX XXXX  ( second account ) {$2000.00} ( Collection/Chargeoff ) Harm Caused : The presence of these erroneous derogatory accounts has : Severely impacted my credit score, limiting my ability to obtain credit at reasonable terms. 
Caused undue financial stress by misrepresenting my creditworthiness to potential lenders. 
Affected my ability to secure housing and favorable credit terms. 

Resolution Sought : I respectfully request that the CFPB investigate the inaccuracies and require XXXX and Equifax to : 1. Remove all inaccurate derogatory marks from my credit reports.

2. Correct the reporting of balances on revolving credit accounts.

3. Update the status of accounts that have been paid, resolved, or disputed.

4. Remove duplicate and outdated derogatory entries from my reports.

Thank you for your time and assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX