Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau Representative, I am submitting this formal complaint regarding inaccurate and potentially unlawful credit reporting by XXXX XXXX and XXXX XXXXXXXX XXXX, as reflected in my credit reports from TransUnion, Experian, and Equifax. These reporting errors have negatively impacted my credit score, and despite my efforts to resolve the matter directly with the credit bureaus and creditors, these discrepancies remain unresolved. 
Issue # XXXX XXXX XXXX XXXX XXXXXXXX Disputed Items : XXXX. Date Opened Discrepancy : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. High Credit Inaccuracy : TransUnion : {$680.00} Equifax : {$0.00} 3. Credit Limit Reporting Error : TransUnion & Equifax : {$500.00}, but reporting inconsistencies exist.

4. Late Payment Reporting : This account is reported as 120 days late, but I have not received sufficient documentation from XXXX XXXX verifying this delinquency. 
Actions Taken : o I disputed these inaccuracies with TransUnion, Experian, and Equifax under FCRA 611, but the creditors have failed to verify the information properly. 
Desired Resolution : o XXXX request XXXX XXXX provide verifiable documentation of these claims. If they can not verify, I demand immediate removal of the negative entries from my credit report. 
________________________________________ Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Actions Taken : o I disputed these inaccuracies under FCRA 611, yet the credit bureaus continue to report conflicting data, damaging my creditworthiness. 
Desired Resolution : o I request that XXXX XXXX XXXXXXXX provide original documentation ( including payment history, signed agreements, and billing statements ). If they can not verify, I demand the immediate deletion of this charge-off. 
________________________________________ Violation of Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) and the Consumer Financial Protection Bureau guidelines, I believe these creditors and credit bureaus are violating my rights by : 1. Failing to investigate and correct inaccurate information 2. Reporting unverifiable data that affects my financial standing 3. Neglecting to comply with FCRA-mandated verification procedures Requested Resolution from CFPB : I respectfully request the CFPB to : 1. Investigate these inaccuracies and hold the creditors accountable. 
XXXX. Require XXXX XXXX and XXXX  XXXX XXXX to provide verifiable proof supporting the reported information. 
XXXX. Instruct the credit bureaus to remove any unverifiable or inaccurate data from my credit report. 
XXXX. Ensure compliance with FCRA regulations and prevent further consumer harm. 


I appreciate your assistance in resolving these issues promptly and ensuring compliance with consumer protection laws. Please inform me of the next steps and actions taken. 
Sincerely, XXXX XXXX