Product: Credit reporting or other personal consumer reports

To : All parties irresponsibly reporting inaccuracies on my consumer reports : XXXX, Experian, XXXX, & XXXX XXXX XXXX. 

If there were a word past livid, thatd describe myself, XXXX XXXX XXXX. The recent activity Ive discovered on my consumer reports is more than inconsistent & inaccurate, its illegal & regardless of these dispute results, Im pursuing litigation. Im currently disputing to give you all the opportunity to cure your mistakes immediately & lessen the damages XXXX be seeking. 

Between XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX changed information reported on my consumer reports on a closed account! I discovered this when my property closing was canceled due to my scores dropping & my mortgage loan officer being alerted of changes. It took her nearly a full day researching my reports to realize what occurred as all of my current open accounts remained unchanged.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Inaccuracies include but are not limited to : XXXX reporting in XX/XX/XXXX that I had 11 30-day late payments & 2 times payment was 60 days late. My account opening XX/XX/XXXX & closing XX/XX/XXXX. Today, XX/XX/XXXX, theyre reporting 13 30-day late payments & 2 60-day late payments. 

XXXX : was reporting 11 30-day late payments & 1 60-day late payment in XXXX. My account opening XX/XX/XXXX & closing XX/XX/XXXX. Today, XX/XX/XXXX, XXXX is reporting me with 13 30-day late payments & 2 60 day late payments. ( Notice the different closing dates as well? ) Experian : has a lot of information on my consumer report labeled as ND/No Data. However, theyre as of today XX/XX/XXXX, reporting me with 11 30-day late payments & 2 60-day lates. Thats different from the other reports as well. 

I obtained a full transcript of activity on loan # XXXX with XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The transcript itself disproves the late payments theyre currently reporting & I have that in my possession. XXXX XXXX XXXX, also enclosed a copy of the credit notice they claim was sent out letting me know that my experiences ( payments ) would be reported to the credit bureaus dated XX/XX/XXXX nearly a year after the account was opened & to an address I have no clue of! 

To say that these errors & inaccuracies have caused me detrimental harm is an understatement ; & all violations will be addressed as well as damages sought. I have a right to accurate reporting 365 days a year/7 days a week. I also have a right to not be subjected to ill/irresponsible inaccurate reporting from creditors Im not even in business with. Shame on anyone allowing an account closed for 2 years to be altered for what reason Ill never know!

Please delete & remove this erroneous inaccurate account from my consumer reports. Continued complicity with this company to harm & defame my person will be answered with litigation quite frankly. 

XXXX : Closed Acct with XXXX XXXX XXXX reported with either full Acct # XXXX or Acct : XXXX XXXX : Closed Acct with XXXX XXXX XXXX reported with either full Acct # XXXX or Acct : XXXX Experian : Closed Acct with XXXX XXXX XXXX reported with either full Acct # XXXX or Acct : XXXX