Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX XXXX XXXX Inaccurate Credit Reporting, Privacy Violations, and IRS Noncompliance Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding XXXX XXXX XXXX XXXX inaccurate credit reporting, misuse of my personal information, and noncompliance with federal regulations. These actions have caused harm to my creditworthiness and personal well-being. I respectfully request the CFPBs assistance in addressing the following issues : 1. Inconsistent Account Numbers Across Credit Bureaus : XXXX XXXX has reported inconsistent and incomplete account numbers for the same account across the three major credit bureaus.These discrepancies make it difficult to accurately verify, identify, or dispute the account. This violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting of consumer credit information. 

2. Misreporting of Charged-Off Balance and Past Due Amount : XXXX XXXX XXXX XXXX has inaccurately reported the charged-off amount ( {$17000.00} ) as both a current balance and a past-due amount across all three bureaus : TransUnion : Current Balance : {$17000.00} Past Due Amount : {$17000.00} XXXX : Balance : {$17000.00} Past Due Amount : {$17000.00} XXXX : Balance : {$17000.00} Past Due Amount : {$17000.00} This violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : Furnishers must accurately distinguish between charged-off balances and ongoing liabilities. 
XXXX XXXX XXXX Standards : Charged-off accounts must reflect a {$0.00} balance and {$0.00} past-due amount unless active payments are being made. 

3. Failure to Provide IRS Form 1099-C : On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, the number listed on my credit reports, at approximately XXXXXXXX XXXX. During this call, I requested a copy of IRS Form 1099-C ( Copy B ) related to the charged-off account. The representative informed me that the form would not be issued for approximately seven years, which violates IRS regulations under 26 CFR 1.6050P-1. 
This refusal is a clear violation of federal tax reporting requirements, as creditors are required to issue the form in the year of debt cancellation. 

4. Misuse of Non-Public Personal Information ( NPPI ) : During the XX/XX/XXXX call ( purportedly recorded ), I provided my XXXX to verify my identity. However, instead of addressing my specific request for IRS Form 1099-C, the representative attempted to coerce me into revisiting prior settlement offers. This conduct violates : 15 U.S.C. 6802 ( XXXX XXXX ) : Prohibits unauthorized use of NPPI for purposes outside the scope of consumer consent. 
5 U.S.C. 552a ( b ) ( Privacy Act ) : Prohibits the use of personal information for coercive purposes. 

5. Timeline Discrepancies and Ambiguous Reporting : XXXX XXXX XXXX XXXX has failed to accurately update the account status across all three credit bureaus : TransUnion : Continues to report a " Charge-Off/Collection '' status with both a balance and past-due amount of {$17000.00}. 
XXXX : Lists the account as charged off but still reports it as " past due '' as of XX/XX/XXXX. 
XXXX : Reports " 120 days past due '' and " 150 days past due '' in XXXX, despite marking the account as charged off in XXXX. 
These discrepancies further violate the FCRA and XXXX XXXX compliance standards.