Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Formal Dispute Regarding Inaccuracies in Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report related to accounts reported by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These discrepancies are negatively affecting my credit profile, and I am requesting your assistance in resolving these matters. Below, I have detailed the issues with the relevant accounts. 

XXXX. XXXX XXXX  - Reported Balance : {$8100.00} - Account Status : ** Closed ( Involuntary Repossession ) - Discrepancies : - The payment history appears incomplete and does not accurately reflect all payments made on this account. 
- The reported last payment date ( XX/XX/XXXX ) conflicts with my personal records. 
- The terms of the repossession and the remaining balance are unclear, potentially reflecting errors in reporting. 
- Around XX/XX/XXXX, the vehicle was involved in a rear-end collision while I was driving for XXXX, XXXX, and XXXX. This incident caused me to lose income as the vehicle was inoperable. I informed the financing company about the situation, including the injuries I sustained, and worked with insurance companies for over a month to repair the vehicle. During this time, I started a new job and made a payment of {$230.00} to keep the vehicle secure. Despite this, the company attempted to repossess the vehicle while it was in the body shop for repairs. 

XXXX. XXXX XXXX - Reported Balance : {$16000.00} - Account Status : Closed ( Charge-Off ) - Discrepancies : - Payment history and timeline of the charge-off status appear inconsistent. 
- The remarks section indicates " redeemed or reinstated repossession, '' which is contradictory and requires clarification. 
- The reported balance does not account for any payments made prior to the charge-off. 
- I co-signed for this vehicle through XXXX XXXX XXXX. The dealership has since gone out of operation. I did not authorize or give permission for XXXX XXXX to report on my credit. Furthermore, the vehicle was involved in a collision in XXXX and declared a total loss. 

XXXX. XXXX XXXX XXXX - Reported Balance : {$0.00} ( Closed ) - Account Status : Transferred ( Charge-Off ) - Discrepancies : - Payment history reflects 100 % on-time payments, yet the account status is marked as charged-off, which seems contradictory. 
- No details regarding the transfer or resolution of the balance are provided, leading to potential inaccuracies in reporting. 

I have attempted to resolve these discrepancies directly with the creditors, but they remain unresolved. To support my dispute, I am including the following documentation : - Payment receipts and account statements. 
- Correspondence with the creditors outlining the disputes. 

Request for Resolution I respectfully request that the CFPB investigate these issues and ensure the reporting agencies and creditors update my credit report to reflect accurate information. Specifically, I ask that you : XXXX. Verify the completeness and accuracy of payment histories. 
XXXX. Confirm the validity of account statuses, balances, and remarks. 
XXXX. Update or remove any incorrect or unverifiable information from my credit report. 

Thank you for your prompt attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require additional information or documentation. 

Sincerely, XXXX XXXX XXXX XXXX