Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Date : XX/XX/XXXX Subject : Complaint Against Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) & Unlawful Re-Aging of Debt Complaint Details : I am filing a formal complaint against Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX for the unlawful XXXX of accounts on my credit report, failure to correct inaccurate information, and violations of the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ). 

Despite multiple disputes filed with the credit bureaus, XXXX and XXXX have refused to investigate or correct the inaccurate reporting of two aged accounts on my credit report. These accounts have exceeded the legal reporting time limit and must be immediately deleted as required under FCRA 15 U.S. Code 1681c ( a ) ( 4 ). 

XXXX. Mercedes-Benz Financial Services ( Account # XXXX ) I contacted Mercedes-Benz Financial Services on XX/XX/XXXX, at XXXX XXXX and spoke with XXXX ( XXXX ID XXXX XXXX ) from the Deficiency Recovery Department ( XXXX XXXX XXXX 
I was informed that my first date of delinquency was XX/XX/XXXX ( 30 days late ). 
Under FCRA 15 U.S. Code 1681c ( a ) ( 4 ), negative credit information must be removed after 7 years from the first delinquency, which means this account should no longer be reported. 
Instead, Mercedes-Benz Financial Services unlawfully re-aged the account, extending its reporting period beyond what is legally allowed in an attempt to continue collection efforts. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) I contacted XXXX  XXXX XXXX  on XX/XX/XXXX, at XXXX PM and spoke with XXXX from Customer Resolutions ( XXXX ). 
I was informed that my first date of delinquency was XX/XX/XXXX ( 30 days late ). 
Despite this, XXXX XXXX XXXX refuses to remove the aged account from my credit report, even though it has surpassed the XXXX reporting limit under FCRA 15 U.S. Code 1681c ( a ) ( 4 ). 
XXXX XXXX XXXX has also re-aged this account, unlawfully extending the collection and reporting period to harm my credit score. 

XXXX Credit Bureau Failures XXXX XXXX XXXX XXXX XXXX I have filed two previous disputes with XXXX and XXXX XXXX yet they have failed to investigate or remove these aged accounts. 
This is a direct violation of FCRA 15 U.S. Code 1681i ( a ), which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes an account. 
Their failure to act constitutes willful noncompliance under FCRA 15 U.S. Code 1681n, making them liable for damages.

Request for Resolution I formally request that the CFPB take immediate action and : 1. Direct XXXX and XXXX to immediately delete the two unlawful collection accounts ( XXXXercedes-Benz Financial Services and XXXX XXXX XXXX XXXX from my credit report. 
2. Investigate Mercedes-Benz Financial Services and XXXX XXXX XXXX for illegal re-aging of debt, which violates the FCRA and XXXX. 
XXXX. Impose penalties on XXXX and XXXX for failure to conduct a proper investigation and update my credit file as required under FCRA 15 U.S. Code 1681i ( a ).

4. Expedite this process as these unlawful accounts are negatively affecting my credit score and preventing me from securing an auto loan. 

If these issues are not resolved immediately, I am prepared to escalate this matter through legal action. 

Supporting Evidence : Sworn affidavit detailing the violations by Mercedes-Benz Financial Services and XXXX XXXX XXXX XXXX 
Credit reports showing these accounts still reporting beyond the legal time frame. 
Call records and representative statements confirming the first date of delinquency. 

I appreciate the CFPBs prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX