Product: Credit reporting or other personal consumer reports

Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Consumer Response Center XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting Across All Three Bureaus ( XXXX, Equifax, XXXX ) Dear CFPB, I am submitting a formal complaint regarding significant inaccuracies and discrepancies in my credit reports as maintained by the three major credit reporting agencies : XXXX, Equifax, and XXXX. These inaccuracies have negatively impacted my creditworthiness and have caused financial and emotional distress. I have made multiple attempts to resolve these errors directly with the credit bureaus, but they have failed to correct the inconsistencies. 
Below is a list of the major discrepancies and violations of the Fair Credit Reporting Act ( FCRA ), along with relevant legal citations and case law. 

XXXX XXXX ( Account # [ Account Number ] ) Inconsistency : XXXX reports a balance of {$190.00}, while XXXX and Equifax both report a balance of {$39.00}. 
Applicable Law : FCRA Section 609 ( 15 U.S.C. 1681e ( b ) ) - The credit bureaus are required to report accurate information. 
Court Case : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX ( Account # XXXX ) XXXX Inconsistency : XXXX lists a high credit of {$2000.00}, while XXXX lists only {$800.00}. 
Applicable Law : FCRA Section 623 ( 15 U.S.C. 1681s-2 ) - Furnishers are obligated to report accurate information. 
Court Case : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX  ( Account # XXXXXXXX XXXX XXXX Inconsistency : XXXX lists the account as Closed, while XXXX and Equifax both list it as Paid. 
Applicable Law : FCRA Section 611 ( 15 U.S.C. 1681i ) - The right to dispute and correct inaccurate information. 
Court Case : Fair Credit Reporting Act Case Against XXXX, XXXX XXXX XXXX. 

XXXX. XXXX ( Account # XXXX ) ** Inconsistency : XXXX lists the payment status as Late 30 Days, while XXXX and Equifax list it as Current. 
Applicable Law : FCRA Section 623 - Responsibility of furnishers to ensure accuracy. 
XXXX XXXX : XXXX v. XXXX. 

XXXX. XXXX  ( Account # XXXXXXXX XXXX XXXX  Inconsistency : XXXX reports a payment status of " Late 120 Days, '' while XXXX does not report any late payment status. 
Applicable Law : FCRA Section 609 - Credit bureaus are required to ensure accurate payment status reporting. 
Court Case : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

XXXX. XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  Inconsistency : XXXX lists this as an " Open Account, '' while Equifax reports it as " Collection. '' Applicable Law : FCRA Section 611 - Consumers have the right to dispute and correct inaccuracies.

Court Case : Fair Credit Reporting Act Lawsuit Against XXXX, XXXX XXXX XXXX. 

XXXX. XXXX ( Account # XXXX ) ** Inconsistency : XXXX XXXX the Date Last Active as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX, and Equifax lists it as XX/XX/XXXX. 
Applicable Law : FCRA Section 609 - Accuracy of account activity and date reporting. 
Court Case : Cowans v. Equifax Information Services , Inc., No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX Inconsistency : XXXX lists the Date Last Active as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. 
Applicable Law : FCRA Section 623 - Responsibility of furnishers to report accurate dates of account activity. 
Court Case : XXXXXXXX XXXX XXXX 

XXXX. XXXX  ( Original Creditor : Deposit IQ ) Inconsistency : XXXX reports the account as " Collection, '' while Equifax lists it as " Collection/Chargeoff. '' Applicable Law : FCRA Section 611 - Responsibility of credit bureaus to correct inconsistencies. 
Court Case : Fair Credit Reporting Act Lawsuit Against XXXX, XXXX XXXX XXXX. 

XXXX. XXXXXXXX XXXX ( Account # XXXXXXXX XXXX XXXX Inconsistency : XXXX XXXX the Date Last Active as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXXXXXX 
Applicable Law : FCRA Section 609 - Accuracy in reporting dates of activity and last payment. 
Court Case : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Request for Action : I kindly request that the Consumer Financial Protection Bureau intervene to ensure that the inaccuracies and inconsistencies listed above are fully investigated by the credit reporting agencies ( XXXX, Equifax, and XXXX ) and corrected or removed as required by the Fair Credit Reporting Act ( FCRA ). I have provided detailed descriptions of the discrepancies and cited the applicable laws and relevant case law that support my claims. 
These errors have caused considerable harm to my credit score and have negatively impacted my financial well-being. I am requesting that the CFPB use its authority to ensure that the credit reporting agencies comply with FCRA requirements and correct or remove these erroneous items from my credit report. 
Thank you for your assistance. Please inform me of any updates or actions taken on this matter. 
Sincerely, XXXX XXXX