Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to address the inaccuracies and unauthorized negative reporting items that have been added to my consumer credit report without my consent. As a resident of California, I am keenly aware of my rights under both state and federal law, particularly the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), California Civil Code sections 1785.1-1785.36 ( California Consumer Credit Reporting Agencies Act ), and California Civil Code sections 1798.100-1798.199 ( California Consumer Privacy Act XXXX, which mandate the accuracy, fairness, and privacy of consumer credit reports. 
Upon reviewing my credit report, I discovered several late payment entries that have been reported without my consent which I believe constitutes a breach of privacy and fraud. These entries are unfairly impacting my creditworthiness and financial standing. I need to address the following unauthorized items specifically : XXXX XXXX XXXX These accounts are unverifiable due to the lack of my consent, and no person may furnish transactions between the individual and the consumer, as per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 3 ). According to the FCRA Section 603 ( d ) definition ; a person includes any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency or other entity. Therefore, these entities may not report late payments, which are considered transactions, according to FCRA Section 623 ( a ) ( 1 ) ( A ). It is inconceivable to me that such blatant inaccuracies could occur without any regard for my rights or consent. This disregard for accuracy and privacy constitutes a clear violation of both federal and California law. Under the California Consumer Credit Reporting Agencies Act, particularly California Civil Code section 1785.25 ( a ), it is explicitly stated that credit reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of consumer reports. Additionally, California Civil Code section 1785.30 ( a ) holds any consumer reporting agency accountable for failing to comply with the provisions of the Act, rendering them liable for any actual damages sustained by a consumer. These are the legal obligations that you must uphold.

Furthermore, the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ), requires that consumer reporting agencies conduct a reasonable investigation of disputed information, while Section 623 ( a ) ( 3 ) mandates that inaccurate or incomplete information must be corrected or deleted. I have never authorized these transactions nor consented to any late payments being reported on my behalf.

I demand immediate action to rectify this situation. Specifically, I insist that the aforementioned late payment entries be updated immediately to reflect paid as agreed, never late in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ) and ( a ) ( 5 ). Any associated derogatory remarks or impact on my credit score must be corrected accordingly. Even in the event of a permissible purpose the consumers consent remains a necessary requirement, which I have not provided as outlined in FCRA Section 604 ( a ) ( 3 ) ( c ). Thank you for your immediate attention to this matter. I trust that you will act swiftly and decisively to rectify these errors. 
Sincerely, XXXX XXXX