Product: Credit reporting or other personal consumer reports

**Subject : Formal Complaint : Improper Use of Credit Reporting and Request for Immediate Removal of Unauthorized or Inaccurate Items** Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to formally address significant issues with my credit report as managed by the credit bureaus. My credit report contains several entries that I believe are inaccurate, unauthorized, and in violation of the Fair Credit Reporting Act ( FCRA ). Below are the specific issues and my request for resolution : # # # **Unauthorized and Inaccurate Entries** XXXX. **XXXX XXXX XXXX** - **Original Creditor : ** XXXX XXXX XXXX XXXX XXXX XXXX : ** XXXX - **Balance : ** {$330.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** The account is listed as previously disputed with an investigation reported by the data furnisher. 

XXXX. **XXXX XXXX  XXXX ( Account XXXX ) ** - **Original Creditor : ** XXXX XXXX XXXX  - **Account Number : ** XXXX - **Balance : ** {$250.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer, but still listed as a collection. 

XXXX. **XXXX XXXX XXXXXXXX ( Account XXXX ) ** - **Original Creditor : ** XXXX XXXX XXXX  - **Account Number : ** XXXX - XXXX : ** {$280.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer and should be marked accordingly. 

XXXX. XXXX XXXX XXXX XXXX XXXX Creditor : ** XXXX XXXX - XXXX XXXX : ** XXXX - **Balance : ** {$890.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer, but remains listed as a collection. 

XXXX. XXXX XXXX XXXX XXXX XXXXOriginal Creditor : ** XXXX XXXX XXXX XXXX - XXXX Number : ** XXXX - **Balance : ** {$360.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer and should be properly reflected. 

# # # **FCRA Violations** The unauthorized and inaccurate entries listed above are in violation of the FCRA, specifically : - **15 U.S.C. 1681b** : Permits access to credit reports only for permissible purposes. The appearance of unauthorized entries indicates a breach of this section. 
- **15 U.S.C. 1681c** : Requires that all information on a credit report be accurate and up-to-date. These unauthorized entries do not comply with this requirement.

- **15 U.S.C. 1681i** : Mandates that consumers have the right to dispute and correct inaccuracies on their credit reports. The entries in question were previously disputed but remain inaccurately reported. 

# # # **Requested Resolution** I request the following actions be taken immediately : 1. **Immediate Removal : ** Remove all unauthorized and inaccurate entries from my credit report, including the accounts listed above.

2. **Confirmation : ** Provide written confirmation that the unauthorized items have been removed and that my credit report has been updated to reflect accurate information.

3. **Investigation : ** Conduct a thorough investigation into how these inaccuracies appeared on my report and ensure corrective measures are implemented to prevent future occurrences. 

I have attached copies of my credit reports highlighting the disputed items, along with any relevant correspondence. I trust that you will address this matter with urgency and ensure my consumer rights are upheld. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX