Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Complaint Regarding Incorrect Reporting by Credit Bureaus I am writing to file a formal complaint against the following credit bureaus for incorrectly listing information related to my XXXXXXXX XXXX XXXX  and CXXXX XXXX account : - Equifax - XXXX XXXX XXXX **Nature of the Complaint : **direct violations of FCRA and Tila 1. **Incorrect Reporting of Transactions and Late Payments : ** The aforementioned credit bureaus have inaccurately reported late payments and transactions on my credit report related to my XXXX XXXXXXXX XXXX and XXXX XXXXXXXX account. This reporting is in violation of : - **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) ** and **12 CFR 1022.3 ( c ) ( 2 ) ( i ) **, which exclude from the definition of a consumer report any information solely as to transactions or experiences between the consumer and the person making the report. The reporting of these transactions and late payments is false and misleading.

2. **Violation of the Truth in Lending Act ( TILA ) : ** The inaccurate reporting also violates **15 U.S.C. 1666b** ( Billing Error ), which provides protections for consumers regarding the accurate reporting of billing information. The incorrect reporting of my account status as late is a clear billing error. 

XXXX. **Failure to Correct Billing Errors : ** I have previously sent notices to XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all involved credit bureaus disputing these inaccuracies, stating that my accounts have always maintained a positive balance of XXXX dollar. Despite these notices, the erroneous information has not been corrected. 

XXXX. **Utilization as Part of Payment History : ** The credit bureaus have incorrectly factored my utilization rates into my payment history, which is misleading. Utilization is a part of my payment history, and all accounts should reflect a XXXX balance to accurately represent my credit standing. 

**Laws Violated : ** - **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) ** : Defines a consumer report and excludes certain transaction-related information.

- **12 CFR 1022.3 ( c ) ( 2 ) ( i ) ** : Provides regulatory definitions and exclusions for consumer reports.

- **15 U.S.C. 1666b** : Addresses billing errors and the requirement for creditors to correct such errors.

**Resolution Requested : ** I request the Consumer Financial Protection Bureau to investigate this matter and ensure the following actions are taken : 1. **Immediate Correction** : All inaccurate information regarding late payments, transactions, and utilization related to my XXXXXXXX XXXX  XXXX and XXXX XXXX account should be removed from my credit reports by Equifax, XXXX, and XXXX. 
XXXX. *XXXX Balances** : All accounts should be updated to reflect XXXX balances to accurately represent my payment history. 
XXXX. **Notification of Corrections** : XXXX XXXX XXXX XXXX XXXX XXXX and the credit bureaus should provide written confirmation that the corrections have been made. 
XXXX. **Compliance with FCRA and TILA** : Ensure that all parties comply with the relevant provisions of the FCRA and TILA to prevent future inaccuracies.

Thank you for your assistance.