Product: Credit reporting or other personal consumer reports

Formal Complaint Against TransUnion, XXXX, and XXXX for Reporting Inaccuracies on XXXX XXXX XXXX  Account I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding their reporting of a XXXX XXXX XXXX  account on my credit reports. Despite the account being disputed and inaccurate, the credit bureaus continue to report misleading and inconsistent information. 

Account Overview The account in question is a charged-off credit card account issued by XXXXXXXX XXXX XXXX  Below are the key inaccuracies identified in the reporting by the credit bureaus : TransUnion : Reports the account as charged off with a balance of {$160.00}, yet no payment history is provided. 
Indicates the remarks Account Closed by XXXX XXXX, but fails to accurately verify or investigate the account 's accuracy. 

XXXX : REMOVED XXXX : Indicates the remarks Unpaid Balance Reported As A Loss By XXXX XXXX, yet the account shows discrepancies in payment history, including reports of XXXX days late, which is not logical or possible. 
Monthly payment is listed as {$0.00}, but the account status and remarks fail to align with other data points provided. 
Violations of the Fair Credit Reporting Act ( FCRA ) The credit bureaus have violated the following FCRA provisions : FCRA Section 611 ( Reasonable Reinvestigation ) : The credit bureaus have failed to conduct a reasonable reinvestigation into my disputes, as evidenced by the continued reporting of conflicting and inaccurate information. 
FCRA Section 623 ( Accuracy of Information ) : The bureaus have not ensured that the information being reported is accurate or consistent. 
Failure to Provide Proof of Reinvestigation : None of the bureaus have provided documentation of a reinvestigation or clarified the sources of their reported information. 
Failure to Remove Disputed Information : Despite disputing the account, the inaccurate reporting has persisted without resolution or sufficient investigation. 
My Formal Requests I respectfully request the CFPB to take immediate action to address these violations and require the following from TransUnion, XXXX, and XXXX : Immediate Removal of the XXXX XXXX XXXX  Account : The account must be deleted from my credit reports due to the numerous inaccuracies and conflicting reporting. 
Proof of Reinvestigation : Provide detailed documentation of any reinvestigations conducted, including : The name of the data furnisher and all sources consulted. 
An explanation of how the disputed information was verified. 
A summary of any changes made as a result of the reinvestigation. 
Compliance with FCRA Standards : Ensure all future reporting is accurate, complete, and reflective of any disputes submitted by consumers. 
Conclusion The repeated inaccuracies, lack of transparency, and failure to conduct proper reinvestigations by TransUnion, XXXX, and XXXX are unacceptable. These violations harm me as a consumer and highlight systemic issues within credit reporting practices. 

I urge the CFPB to take immediate action to ensure these bureaus comply with FCRA guidelines. Attached to this letter, you will find supporting documentation, including screenshots of the inaccuracies present on my credit reports. 

Thank you for your attention to this matter. Please feel free to contact me for additional information or clarification.