Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX  ] To Whom It May Concern, Subject : Formal Complaint Regarding Fraudulent and Inconsistent Reporting by XXXX XXXX and XXXX XXXX I am writing to bring urgent attention to the unlawful and inequitable credit reporting practices of XXXX XXXX and XXXX XXXX , which continue to violate the Fair Credit Reporting Act ( FCRA ) and undermine my financial stability. These furnishers have removed unauthorized accounts from XXXX but continue to fraudulently report the same accounts to TransUnion and XXXX, despite being presented with the same disputes and supporting documentation.

This letter serves as a formal demand for immediate removal of the following accounts from all credit bureaus : XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX Key Violations 1. Failure to Ensure Accurate Reporting Under 15 U.S.C. 1681e ( b ), credit reporting agencies and furnishers are required to ensure the maximum possible accuracy of the information they report.

Both XXXX XXXX and XXXX XXXX have already acknowledged the accounts were unauthorized and removed them from XXXX. 
Their continued reporting to TransUnion and XXXX is inconsistent, inaccurate, and indicative of gross negligence or willful misconduct.

2. Violation of FCRA Timing Requirements According to 15 U.S.C. 1681c-2, furnishers must block or remove disputed information within four business days upon receipt of an FTC Identity Theft Report and supporting documentation.

I submitted a complete FTC Identity Theft Report along with proof of identity and address. These furnishers failed to comply with this requirement for TransUnion and XXXX, even though they acted appropriately for XXXX. 
3. Unfair and Deceptive Practices By failing to apply consistent corrections across all credit bureaus, XXXX XXXX and XXXX XXXX are engaging in practices that misrepresent my creditworthiness and violate Section 5 ( a ) of the FTC Act, which prohibits unfair or deceptive acts or practices.

4. Intentional Misrepresentation of Financial Standing The ongoing, inconsistent reporting of these accounts harms my ability to secure credit and creates an unjustifiable disparity between the credit bureaus. Such actions demonstrate bad faith and disregard for consumer rights protected under the FCRA.

Immediate Demands 1. Immediate Removal of Accounts Both XXXX XXXX and XXXX XXXX must remove the listed accounts from TransUnion and XXXX immediately and ensure they are permanently deleted from all credit reports.

2. Written Confirmation of Compliance I demand written confirmation from both XXXX XXXX and XXXX XXXX within seven ( 7 ) business days confirming the accounts have been removed and will not be re-reported.

3. Internal Compliance Review XXXX XXXX and XXXX XXXX must review and revise their compliance practices to ensure future disputes are handled uniformly and in full accordance with the FCRA.

Supporting Documentation Attached, I have included the following : FTC Identity Theft Report.

Proof of identity and address.

Evidence of disputes submitted to all three credit bureaus.

Conclusion The actions of XXXX XXXX and XXXX XXXX are inequitable, harmful, and unlawful. I will not tolerate the continued misrepresentation of my creditworthiness. Failure to address and resolve these issues immediately will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal remedies as authorized under 15 U.S.C. 1681n for willful noncompliance.

This is a final opportunity to rectify your violations. I expect prompt action and full resolution of this matter.