Product: Credit reporting, credit repair services, or other personal consumer reports

This is to send a formal complaint against the credit bureaus, Equifax, and XXXX. Both of these credit reporting bureaus refuse to update and correct updated debt info and credit card payments accurately. I've sent letters after letters and calls after calls with no correction on their part. I have submitted letters from XX/XX/XXXX to XX/XX/XXXX and they have refused to update and correct inaccurate debt info that is supposed to be removed and credit card payments that have been updated by the credit card companies showing paid. 

XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX To Whom This May Concern, Upon receiving my recent Credit report, I have found information regarding debts that are being claimed against me. 

Date : XX/XX/XXXX Creditor : 08 XXXX XXXX XXXX XXXX XXXX Balance Due : {$1200.00} Date : XX/XX/XXXX Creditor : 08 XXXX XXXX XXXX XXXX XXXX Balance Due : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Upon receiving my recent Credit report, I have found information regarding the debt that is being claimed against me. 

Date : XX/XX/XXXX Creditor : 09 XXXX XXXX Balance Due : {$3300.00} XXXX  XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, MN XXXX To Whom This May Concern, Upon receiving my recent Credit report, I have found information regarding a debt that is being claimed against me. 

Date : XX/XX/XXXX Creditor : 11 XXXX XXXX XXXX Balance Due : {$500.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

Both Equifax and XXXX  refused to update the information that these creditors have refused to respond after 90 days of which they should have been removed.