Product: Credit reporting or other personal consumer reports

Complaint Title : XXXX 's Failure to Comply with Federal Credit Reporting Laws and Conduct Proper Dispute Investigations Complaint Details : My name is XXXX XXXX XXXX XXXX, and I am filing this complaint regarding XXXX 's repeated failure to comply with federal credit reporting laws, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681c ( c ). Despite my numerous attempts to resolve inaccuracies on my credit report through disputes and by providing supporting documentation, XXXX has failed to comply with its obligations under these laws.

Relevant Violations : 15 USC 1681e ( b ) : XXXX has not maintained the accuracy of my credit report, resulting in the continued reporting of incorrect and harmful information. 

15 USC 1681s-2 : XXXX has failed to properly investigate disputes and ensure that data furnishers report accurate information. 

15 USC 1681c ( c ) : XXXX has not complied with requirements for removing outdated or unverifiable information from my credit report, further harming my credit standing. 

I recently learned about the CFPB 's lawsuit against XXXX, which highlights similar issues. According to the CFPB, XXXX has engaged in " sham investigations '' of consumer disputes, failed to properly address errors, and even reinstated incorrect information on consumer reports. This aligns with my own experience, where XXXX  failure to investigate has negatively impacted my financial stability and opportunities. 

Specific Issues in My Case : Failure to Investigate : XXXX has not conducted reasonable investigations into my disputes. Errors persist on my credit report, despite my submission of supporting evidence. 

IN EXAMPLE ON MY XXXX  ACCOUNT I HAVE THE ORIGINAL XXXX  XXXX XXXX AND THE DEBT COLLECTION AGENCY REPORTING ON MY REPORT. with different account dates. 

XXXX XXXX reports Account Info Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late For the only account that i had with them. 

But also is reporting another account with Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$500.00} Highest Balance {$390.00} Terms - On Record Until XX/XX/XXXX Which is not the correct balance of the account that i was aware of having with this creditor. I have contacted them and can never get clarity from this creditor Account Name XXXX XXXX Account Number XXXX Account Type Cell Phone Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$790.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance - Highest Balance {$790.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX this account is improperly reporting becuase the term was reported as 1 month. With the codes provided if at least one detail is inaccurate then the file should be removed from my credit report. And on my transunion they are reporting a different date on the account as well. SO the innacurracy are groundsa by law to be erased off my credit file Reinstatement of Errors : Even when some inaccuracies were temporarily removed, they were reinstated without proper notification or justification. 

Such as my XXXX  XXXX Accounts listed above and below Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$490.00} written off. Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$300.00} Highest Balance {$490.00} Terms - On Record Until XX/XX/XXXX. In this case the beaura failed to notify other reporting compnaies to update file follwoing required protocol by debtors or collection agencies. Which is ground for accounts to be removed from all reports Neglect of Legal Obligations : XXXX has shown disregard for the requirements outlined in the Fair Credit Reporting Act ( FCRA ), resulting in significant harm to my ability to access credit, employment, and housing. 

Impact on Me : Due to XXXX 's actions, I have experienced : Denial of credit applications. 

Increased interest rates on loans. 

Emotional stress and financial hardship. 

Requested Resolution : I am requesting that the CFPB take action to ensure XXXX complies with federal credit reporting laws and properly investigates and resolves my disputes. Specifically, I ask that : All errors on my credit report be investigated thoroughly and corrected or removed as appropriate. 

XXXX provide a detailed explanation of its investigative processes and how they align with FCRA requirements. 

XXXX is held accountable for any legal violations impacting consumers like myself. 

The immediate removal of the accounts that match listed below XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX Account Number XXXX Account Type Cell Phone Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$790.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance - Highest Balance {$790.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$480.00} Highest Balance - Terms 12 Months If you look AT THE REPORTED TERMS OF CONTRACT I INFACT WAS NEVER LATE ON PAYMENTS AND THIS IS GROUND FOR THIS TO BE REMOVED FROM MY REPORT DIVERSIFIED ADJUSTMENT POTENTIALLY NEGATIVE Account Info Account Name DIVERSIFIED ADJUSTMENT Account Number XXXX Account Type NA Responsibility Individual Date Opened XX/XX/XXXX Status NO STATUS Status Updated NA Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance - Highest Balance - Terms 1 Months. 

UPON NOTICE OF ME WANTING TODISPUTE THEY HAVE NOT UPDATED/REMOVED/ OR PUT ON HOLD THIS REPORT ON MY FILE. AND THATISNT AGAINST ONE OF THE CODES I PROVIDED. 



XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$490.00} written off. Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$300.00} Highest Balance {$490.00} Terms - On Record Until XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$140.00} written off. Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$200.00} Highest Balance {$340.00} Terms THIS WAS SOLD OFF AND NOT NOTIFIED TO CONSUMER, AS WELL AS THIS ACCOUNT HAS INCCURRECT REPORTING AND I REQUESTED THE ACCOUNT LEDGER AND WASNT GRANTED IT FROM DEBTOR Thank you for your attention to this matter. Please do not hesitate to contact me if further information or documentation is needed. 

Sincerely, XXXX XXXX XXXX XXXX.