Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documented Inconsistencies : XXXX. Payment History Discrepancies : o Experian : Reports multiple XXXX late payments o XXXX : XXXX " Paid or paying as agreed '' o Equifax : XXXX " Pays account as agreed '' XXXX. Consumer Statement : " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE '' Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 607 ( b ) of FCRA [ 15 U.S.C. 1681e ( b ) ] : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Violation : Contradictory payment histories across bureaus 4. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : " A person who furnishes information to a consumer reporting agency shall promptly notify the agency of any determination that information provided is not complete or accurate, and provide corrections. '' Violation : Failed to maintain consistent reporting across bureaus 5. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Violation : Reporting inconsistent payment histories despite negotiated payment arrangement 6. Section 623 ( a ) ( 3 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] : " If disputed by consumer, furnisher must indicate account is disputed. '' Violation : No dispute indicator despite consumer statement 7. CFPB Regulation V, 12 CFR 1022.42 ( a ) : Furnishers must establish and implement reasonable policies regarding accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Documented Inconsistencies : XXXX. Late Payment Reporting : o Experian : Shows XXXX day late payments o XXXX : Notes " dispute resolved; consumer disagrees '' o Equifax : Reports " Pays account as agreed '' 2. Account Status Discrepancies : o Different closure reasons reported Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 611 of FCRA [ 15 U.S.C. 1681i ] : " In case of dispute, each CRA must conduct a reasonable reinvestigation to determine accuracy. '' Violation : Inconsistent dispute resolution outcomes 4. Section 623 ( a ) ( 3 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] : " If disputed by consumer, furnisher must indicate account is disputed. '' Violation : Not all bureaus show dispute indicator 5. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update accurate status across all bureaus 6. CFPB Regulation V, 12 CFR 1022.42 ( a ) : " Furnishers must establish reasonable policies regarding accuracy. '' Violation : Inconsistent reporting of dispute outcomes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documented Inconsistencies : XXXX. Account # XXXX : o XXXX  : Shows consistent XXXX lates o XXXX : XXXX Account information disputed '' o Equifax : XXXX Too new to rate '' XXXX. Account # XXXX : o Multiple payment status discrepancies o Inconsistent reporting of late payments Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : 
" Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistencies Found : Different company names for same account Inconsistent charge-off reporting Different settlement status reporting Applicable Laws & Violations : 1. FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ] : Requirements for furnishing information after settlement Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update account information consistently after company name change 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 5. CFPB Bulletin 2014-01 : " Requirements for furnishing accurate information after debt settlement. '' Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 6. FTC Commentary 607 ( b ) -3 : Accuracy in reporting account transfers/acquisitions Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documented Inconsistencies : 1. Different Credit Limits : o Varying amounts across bureaus 2. Inconsistent Closure Dates 3. Different Payment Histories Applicable Laws & Violations : 1. Section 607 ( b ) of FCRA [ 15 U.S.C. 1681e ( b ) ] : Violation : Failure to maintain accurate credit limits 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update closure information consistently 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of account terms 5. CFPB Regulation V, 12 CFR 1022.41 : Violation : Inconsistent reporting of fundamental account terms 6. FTC Commentary 623 ( a ) ( 1 ) ( A ) -2 : Accuracy of account terms Violation : Inconsistent reporting of fundamental account terms