Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion, Experian, Equifax, and XXXX XXXX. Their continued violations of federal laws regarding consumer rights. Despite my attempts to resolve these issues directly with the credit reporting agencies or CRAs, I have not received any resolution. This negligence not only affects my financial health but also violates my rights under several key federal statutes and regulations. XXXX. Failure to Delete Late Payments the CRAs have failed to investigate and delete inaccurate late payments from my credit reports, violating : 15 U.S.C. 1666b : Timeframes for creditor responses and billing error corrections. 15 U.S.C. 1637 ( b ) : Mandate for accurate disclosure of credit account terms and conditions. 15 U.S.C. 1681s-2 : Duty of furnishers to provide accurate information. 15 U.S.C. 1681i : Obligations to reinvestigate disputed items. These provisions clearly establish a framework for timely and accurate reporting, which the CRAs have failed to uphold. XXXX. Improper Retention of Hard Inquiries, I have disputed unauthorized and outdated inquiries on my reports, yet they remain unaddressed. This violates : 15 U.S.C. 1681b ( 2 ) : Restrictions on permissible purposes for obtaining credit reports. 15 U.S.C. 1681 ( q ) : Prohibitions on obtaining credit reports under false pretenses. 15 U.S.C. 1681c-2 : Obligations for security freezes and fraud alerts. XXXX of unauthorized inquiries is damaging and undermines consumer protections meant to safeguard against misuse of sensitive information. XXXX. Failure to Delete Charge-Offs and Related Violations Charge-offs and related negative entries remain on my credit report despite being inaccurate or outdated, in direct violation of : 15 U.S.C. 1666b : Requirements for correcting billing errors. 15 U.S.C. 1681i : CRA duties to reinvestigate disputed items. 15 U.S.C. 1681s-2 : Responsibilities of furnishers to report accurate information. Additionally, the reporting of charged-off accounts conflicts with 1099-C cancellation of debt requirements, which creates further inaccuracies in my reports. XXXX. Non-Compliance with Federal Regulations the CRAs are in violation of the following Consumer Financial Protection regulations : 12 CFR 1006.34 ( c ) : Disclosure standards for debt collectors. 12 CFR 1006.6 ( c ) : Prohibitions on misleading representations. 15 U.S.C. 1681e ( b ) : Requirements for maintaining maximum possible accuracy in credit reports. 15 U.S.C. 1681s-2 ( a ) : Mandate for furnishers to prevent the reporting of inaccurate information. Request for Immediate Action Given the CRAs ongoing non-compliance, I request that the CFPB take the following actions : XXXX. Investigate the CRAs Practices : Enforce compliance with federal laws and hold the CRAs accountable for violations. XXXX. Require Deletion of Inaccurate Information : Ensure that all late payments, inquiries, and charge-offs are deleted from my reports. XXXX. Impose Penalties : Impose appropriate penalties on the CRAs notated for their negligence. XXXX. Audit CRA Compliance Processes : Assess the CRAs reinvestigation procedures to prevent future violations. Supporting Documentation Enclosed, I trust the CFPB will take swift and decisive action to address these violations and protect consumers from further harm. I look forward to your response and resolution to this matter. for numerous violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to comply with 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) and 15 U.S.C. 1681s-2 regarding the accuracy of information reported to consumer reporting agencies. Background As a consumer impacted by the actions of these credit reporting agencies, I have attempted to correct inaccuracies in my credit report and have witnessed firsthand the failure of these agencies to adhere to statutory obligations under the FCRA. Violations XXXX. Definition of Consumer Report ( 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ) : It is my understanding that according to this regulation, a consumer report does not include information solely related to transactions and experiences between the consumer and the entity making the report. However, I have found that inaccuracies concerning my transactional history have been reported by these agencies, despite these inaccuracies not being exempt reports. This misclassification directly violates the clear stipulation outlined in the FCRA. XXXX. Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : According to subsection ( a ) ( 1 ) ( A ), furnishers of information have a duty to provide accurate information. I have documented occasions where both TransUnion, Equifax, XXXX XXXX and Experian have reported false information while having actual knowledge of errors. These inaccuracies have negatively impacted my XXXX XXXX and my ability to obtain credit. Such actions are not only illegal but demonstrate a willful disregard for the law. XXXX. Timing of Payments ( 15 U.S.C. 1666b ) : has violated my rights under THE PRIVACY ACT OF1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) XXXX and XXXX of XXXX reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. The Family Educational Rights and Privacy Act ( XXXX ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, Experian, TransUnion, Equifax, XXXX Nexus has XXXX this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with all named above. Consumer reporting agencies are non-affiliated third parties with which all has shared my NPPI. All CRAs notated have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. All also violated my rights I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer has the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties. In the federal student aid privacy policy, it states that Credit reporting agencies as a server for Federal Student Aid student loans is under the Gramm-Leech-Bailey Privacy Information Act. The failures in reporting also extend to the timing of payments. There have been instances where my payments have been reported late even though my payments were made timely and in accordance with the agreements in place. This misreporting has not only caused harm but has also imposed undue stress and financial implications on my ability to secure financing. Conclusion I demand a thorough investigation into the practices of TransUnion, Experian, Transunion, and XXXX XXXX. Their continued failure to adhere to the Fair Credit Reporting Act is a violation of my rights as a consumer. I expect that the CFPB will take appropriate action to ensure that these agencies are held accountable for their violations. Additionally, I expect these agencies to rectify the inaccuracies in my reports immediately and provide me with formal confirmation of the corrections made. Please inform me of the steps you will take regarding this complaint. If anything is to remain on my credit it should be reflected in a positive way or update all to Paid as agreed. I am very aware of my rights to opt out that was never given to me. I have previously reported these issues to the CFPB and no action was taken against these companies these private corporations that continuously break the laws and move as they please. I am prepared to take further action if necessary to enforce my rights.