Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian, Equifax, and TransUnion for Failing to Correct Inaccurate Credit Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian, Equifax, and TransUnion for failing to correct multiple inaccuracies on my credit report despite my formal disputes. These errors are violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which requires credit bureaus to ensure the accuracy of consumer credit information. 

I have already disputed these errors directly with the credit bureaus, but they have failed to correct them within the legally required 30-day period. These inaccuracies are negatively impacting my creditworthiness, and I request the CFPB to take immediate action to ensure compliance with the FCRA. 

Accounts with Inaccurate Information 1. XXXX XXXX  ( Chase ) - Incorrect Charge-Off / Bankruptcy Reporting Experian : Reporting as " Derogatory '' despite being included in my XXXX  XXXX bankruptcy ( filed XX/XX/XXXX and discharged XX/XX/XXXX ). It should show a {$0.00} balance and not be marked as a charge-off. 
Equifax : Incorrectly reports " Included in Bankruptcy '' but still shows activity after discharge, which is misleading and inaccurate. 
TransUnion : Still reports " Charge-Off '' instead of " Included in Bankruptcy with {$0.00} balance. '' 2. XXXX XXXX  - Incorrect Charge-Off / Bankruptcy Reporting Experian : Incorrectly reports as Charge-Off, when the account was legally discharged in bankruptcy. 
Equifax : Reports last active date as XX/XX/XXXX, while TransUnion reports XX/XX/XXXX. Dates must be consistent. 
XXXX : Reports Bankruptcy XXXX XXXX but does not show the correct discharge date. 

3. XXXX XXXX ( XXXX ) - Incorrect Charge-Off / Bankruptcy Reporting Experian : Still reports " Collection/Charge-Off '' even though it was legally discharged in bankruptcy. 
Equifax : Reports incorrect last active date ( XX/XX/XXXX ) after my bankruptcy was filed. 
TransUnion : Incorrectly states " Dispute Resolved - Consumer Disagrees '' without providing proper validation. 

4. XXXX  XXXX XXXX - Incorrect Charge-Off & Incorrect Balance Reporting Experian : Reports a {$0.00} balance, but still shows " Charge-Off, '' which contradicts the bankruptcy discharge. 
Equifax : Incorrectly reports a past due balance of {$7400.00}, which should be {$0.00} due to bankruptcy discharge. 
TransUnion : Reports conflicting " Date Last Active '' ( XX/XX/XXXX ) vs. Experian ( XX/XX/XXXX ). 

5. Public Record : XXXX  XXXX Bankruptcy ( Filed : XX/XX/XXXX, Discharged : XX/XX/XXXX ) Experian, Equifax, and TransUnion all report this bankruptcy, but several accounts still reflect balances or charge-offs. 
Under FCRA 1681c ( a ) ( 1 ), once a bankruptcy is discharged, all accounts included should be reported as discharged with a {$0.00} balance. 

Attached, I have included : A copy of my dispute letter ( s ) sent to Experian, Equifax, and TransUnion. 
A copy of my credit report with highlighted errors. 

I request the CFPB to intervene and ensure compliance with the Fair Credit Reporting Act ( FCRA ) to protect my consumer rights. Please investigate this matter and ensure that the credit bureau updates my report accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, Fl XXXX. 
XXXX XXXX