Product: Credit reporting or other personal consumer reports

This letter serves as a official complaint against XXXX XXXXXXXX XXXX XXXX XXXX ) for its intentional and willful negligence in reporting inconsistent, inaccurate, and false information to the credit reporting agenciesXXXX TransUnion, and XXXX. Despite my numerous disputes and requests for investigation, XXXX has failed to conduct any meaningful review or investigation into the inaccuracies and has instead repeatedly reported the same false information across all three credit bureaus. 

XXXX actions, including its failure to investigate and correct erroneous reporting, have caused me significant financial harm, emotional distress, and reputational damage. This letter outlines the facts, violations, and damages caused by XXXX XXXX repeated misconduct, as well as my demands for immediate corrective action. 

Key Issues Raised 1. Intentional and Willful Negligence in Credit Reporting XXXX XXXX has knowingly and willfully reported inaccurate and inconsistent information regarding two accounts ( ending in XXXX and XXXX ) to XXXX, TransUnion, and XXXX : Account Ending in XXXX : Balance : {$46000.00} Credit Limit : {$37000.00} ( Utilization : 122 % ) Status : Charged off as of XX/XX/XXXX Delinquency History : Multiple late payments ( 30, 60, 90, 120 days past due ) before charge-off Last Payment Made : XX/XX/XXXX Date Closed : XX/XX/XXXX Account Ending in XXXX : Balance : {$37000.00} Credit Limit : {$31000.00} ( Utilization : 119 % ) Status : Charged off as of XX/XX/XXXX Delinquency History : Similar to the first account, with multiple late payments before charge-off Last Payment Made : XX/XX/XXXX Date Closed : XX/XX/XXXX Issues Identified : The information reported by XXXX to XXXX, TransUnion, and XXXX is inconsistent and false across the three credit bureaus. 
Both accounts show balances exceeding their credit limits, which is misleading and inaccurate. 
These accounts remain on my credit report despite being time-barred under XXXX 4-year statute of limitations for debt collection. 
XXXX XXXX has failed to provide any explanation for the discrepancies in reporting to the three credit bureaus.

2. Failure to Investigate Disputes and Correct Errors I have submitted multiple disputes to XXXX, TransUnion, and XXXX requesting corrections to the inaccurate information reported by XXXX. However : XXXX XXXX failed to conduct a proper investigation into the accuracy of the information reported. 
Instead of investigating, XXXX re-reported the same false and inaccurate information to the credit bureaus without providing any evidence to support its claims. 
This failure to investigate violates the Fair Credit Reporting Act ( FCRA ) and demonstrates willful negligence in fulfilling its legal obligations.

Violations Identified : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation of disputed information.

3. Inconsistent and Misleading Reporting to Credit Bureaus The information reported by XXXX to XXXX, TransUnion, and XXXX is inconsistent and misleading, suggesting a lack of due diligence and intentional negligence : Examples of Discrepancies : Balances, charge-off dates, and delinquency histories differ across the three credit bureaus. 
XXXX has failed to explain or correct these inconsistencies despite my repeated disputes. 
Such discrepancies harm my credit profile and create confusion for lenders reviewing my creditworthiness.

Legal Violations Identified Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure accurate reporting across all credit bureaus.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) : Failure to correct or delete inaccurate and incomplete information after receiving notice of disputes. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting false and misleading information to credit bureaus constitutes deceptive practices under the FDCPA.

XXXX Statute of Limitations : Reporting time-barred debts as active charge-offs violates XXXX 4-year statute of limitations for debt collection.

Impact on Complainant 1. Financial Harm The inaccurate and inconsistent reporting of these accounts has caused significant harm to my credit profile, including : Lower credit scores.

Denial of credit applications.

Higher interest rates on loans and credit products.

2. Emotional and Reputational Damage XXXX negligence has caused me severe emotional distress, including : Confusion and frustration due to the repeated reporting of false information. 
Damage to my reputation as a financially responsible individual. 
XXXX. Ongoing Harm The inaccurate reporting of these accounts will remain on my credit report for up to 7 years, continuing to harm my creditworthiness and financial stability.

Requested Resolutions 1. Conduct a Proper Investigation Reinvestigate the disputed accounts and verify the accuracy of the information reported to XXXX, TransUnion, and XXXX. 
Provide a detailed explanation of the findings and corrective actions taken. 
2. Correct Credit Reporting Remove inaccurate balances and utilization rates for both accounts. 
Update the accounts to reflect accurate statuses and ensure they comply with XXXX statute of limitations. 
3. Cease and Desist Unauthorized Communication Immediately cease and desist all reporting of these accounts to XXXX, TransUnion, and XXXX, as it constitutes unauthorized communication under the FDCPA. 
XXXX. Ensure Compliance with Federal and State Laws Adhere to the requirements of the FCRA, FDCPA, and XXXX law in all future reporting and dispute investigations. 
5. Written Confirmation Provide written confirmation of all corrective actions taken, including the removal of inaccurate information and compliance with applicable laws. 
Attachments Credit Reports : Copies of my credit reports from XXXX, TransUnion, and XXXX showing the inaccurate and inconsistent reporting by XXXX. 
Settlement Offer Letters : Copies of settlement offers from XXXX that demonstrate further issues with clarity and accuracy. 
Conclusion XXXXXXXX XXXX intentional and willful negligence in reporting false and inconsistent information to XXXX, TransUnion, and XXXX, combined with its failure to investigate disputes, has caused me significant financial, emotional, and reputational harm. 

If a satisfactory response is not provided within 30 days from the date of this letter, I will escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), as well as pursuing legal action to enforce my rights under the FCRA and FDCPA.