Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Discrepancies in Reporting of XXXXXXXX XXXX  Account by Credit Bureaus Dear CFPB Representative, I am writing to file a formal complaint concerning the persistent discrepancies and incorrect information being reported on my XXXXXXXX XXXX account by Experian, XXXX, and XXXX. Despite disputing these inaccuracies twice with both the credit bureaus and the CFPB, no corrective action has been taken. 
Account Information : XXXXXXXX XXXX o Account XXXX XXXX XXXX o High Balance : {$2800.00} ( XXXX, XXXX XXXX o Balance Owed : {$0.00} o Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX o Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX o Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX XXXX o Closed Date : XX/XX/XXXX ( XXXX ) o Account Rating : Paid ( XXXX, Experian ), Derogatory ( XXXX XXXX o Dispute Status : Account not disputed ( All ) o Account Description : Bank XXXX XXXX XXXX XXXX XXXX Experian ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX o Account Status : Closed o Payment Status : Collection/Chargeoff o Creditor Remarks : Payment after charge off/collection ( XXXX ), Account legally paid in full for less than the full balance ( Experian ), Settlement accepted on this account ( XXXX ) o Credit Limit XXXX {$2500.00} Legal Grounds : In accordance with FCRA regulations, I demand that only accurate, true, complete, and mandated information be reported. Any other details that do not meet these criteria should be annulled until adequately proven. It is my legal right to insist that any flawed information, whether directly or indirectly related to potentially injurious data, be corrected or removed immediately. I do not authorize the reporting of any misinformation now or ever, and I request that the credit bureaus review and ensure full compliance with the laws governing the reporting of consumer credit profiles.

Specific Concerns : 1. Inaccurate Reporting of Personal Information : o I do not authorize the reporting of any other names, aliases, addresses, SSNs, dates of birth, telephone numbers, employers, or co-applicants. Any such information should be removed immediately unless legitimate authority to retain or report it is provided. 
2. Discrepancies in Account Reporting : o The information being reported by the credit bureaus about my XXXX XXXX account is inconsistent, with significant differences across XXXX, Experian, and XXXX. This inconsistency creates confusion and could negatively impact my creditworthiness. 
Prior Disputes : This account has been disputed twice with both the credit bureaus and the CFPB, yet the inaccuracies remain unchanged. This failure to correct the information is a direct violation of my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Requested Resolution : I request the CFPB to take immediate action to enforce compliance with FCRA requirements. Specifically, I demand : 1. The immediate correction or deletion of the inaccurate information related to my XXXX XXXX account across all credit bureaus. 
2. A thorough investigation into the reasons why previous disputes have not been adequately resolved. 
XXXX. Written confirmation from Experian, XXXX, and XXXX that the inaccuracies have been corrected or removed. 
Please find attached the relevant documentation, including my previous dispute letters, responses from the credit bureaus, and copies of my current credit reports showing the discrepancies. 
Thank you for your attention to this matter. I trust that the CFPB will ensure that my rights as a consumer are upheld and that this issue is resolved promptly. 
Sincerely, XXXX XXXX XXXX XXXX