Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate, incomplete, and inconsistent information being reported on my consumer credit reports under account XXXX XXXX XXXX  # XXXX. This complaint addresses violations of the Fair Credit Reporting Act ( FCRA ) by both XXXX XXXX  XXXX  and the consumer reporting agenciesExperian, XXXX, and XXXX. 

In XXXX 2024, I submitted written disputes to Experian, XXXX, and XXXX regarding the inaccuracies in the reporting of the account mentioned above. Specifically, the information furnished by XXXX XXXX XXXX and reported in the payment history section was inconsistent, incomplete, and contradictory across all three credit reports. 

As part of my disputes, I requested that each consumer reporting agency ( CRA ) verify the account with the furnisher, Consumer Portfolio Services, and provide direct verification of the account to me, as required under FCRA Sections 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ).

I also contacted Consumer Portfolio Services directly on XXXX XXXX, 2024, after receiving responses from the CRAs stating that the information furnished by XXXX XXXX XXXX had been verified as accurate. In my letter to XXXX XXXX XXXX, I provided copies of my consumer credit reports with clear highlights of the inaccurate and conflicting information being furnished to the CRAs. 

Despite my efforts, XXXX XXXX XXXX responded that my dispute was frivolous and refused to investigate further. To this day, they continue to furnish inaccurate information to the CRAs, resulting in ongoing violations of my rights under the FCRA. 
Specific Inconsistencies in Reporting : 1. **Experian Report** : - Payment History : Shows " XXXX days past due as of September XXXX  '' but no further delinquency information or detailed payment history.

- Status : Marked as " Discharged through Bankruptcy Chapter 7, '' with the status updated in XXXX  2018.

- Balance and Terms : No balance updates, recent payment history, or clear terms, making the report incomplete. 

XXXX. **Equifax Report** : - Payment History : Reflects escalating delinquencies, including XXXX  days past due in XXXX 2018, progressing to " Charge-Off '' ( CO ) in 2019. 
- Status : " Included in Bankruptcy, '' but missing critical details such as payment amounts and updates for XXXX. 
- Account Type : Listed as " Installment, '' but terms and payment progression are incomplete. 

XXXX. XXXX XXXX : - Payment History : Indicates payments were " OK '' until XX/XX/XXXX2018 but inconsistently shows delinquencies ( " X '' ) starting in XX/XX/XXXX through XXXX. 
- Status : Marked as " Included in Bankruptcy Chapter 7, '' but the timeline and details differ from Experian and XXXX reports. 
- Remarks : States the account was " previously in dispute-now resolved, '' despite unresolved inaccuracies across all CRAs. 

Violations of the FCRA : The inconsistencies and lack of proper investigation constitute violations of the FCRA, including : XXXX. **Failure to Conduct a Reasonable Investigation** ( FCRA Section 623 ( b ) ) : XXXX  XXXX  XXXX failed to investigate and verify the accuracy of the information they are furnishing. 

XXXX. **Obligation to Provide Accurate Information** ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) : Consumer Portfolio Services continues to furnish inaccurate, incomplete, and contradictory information to the CRAs. 

3. **Failure to Mark the Account as Disputed** ( FCRA Section 623 ( a ) ( 3 ) ) : Consumer Portfolio Services failed to indicate to the CRAs that the account is in dispute.

XXXX. **Failure of CRAs to Verify Information Properly** ( FCRA Sections 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ) ) : Experian, XXXX, and XXXX did not conduct reasonable investigations or verify the accuracy of the furnished information. 


Supporting Documents : I have attached copies of the following for your review : - My letters to Experian, XXXX, and XXXX, dated XXXX 2024. 
- My letter to XXXX XXXX XXXX, dated XXXX XXXX, 2024. 
- Consumer credit reports with highlighted inaccuracies, inconsistencies, and incomplete information. 
- Responses from XXXX XXXX XXXX and the CRAs. 

The actions of XXXX XXXX XXXX and the CRAs have caused significant harm, undermining my trust in the credit reporting system. I urge the CFPB to address these violations to ensure compliance with the FCRA and protect consumers like me. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.