Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report the inaccurate credit reporting practices of the following financial institutions and credit reporting agencies : XXXX, Equifax, and XXXX. Despite my repeated efforts to dispute incorrect information on my credit reports, these entities have failed to adequately investigate or resolve the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : XXXX. XXXX XXXXXXXX Late Payments : I dispute the reporting of late payments for my XXXX XXXX account. The creditor failed to credit payments appropriately under 15 U.S.C. 1666b, which mandates payments be credited as of the date of receipt. These late payments are inaccurate and have negatively affected my credit score. 2. Erroneous Accounts on My Credit Reports : The following accounts are inaccurately reported and remain unresolved : XXXX XXXX Charged-off balance of {$190.00} XXXXXXXX XXXX XXXX Charged-off balance of {$180.00} XXXX XXXX XXXX  Collection balance of {$10000.00} XXXX XXXX XXXX Collection balance of {$930.00} XXXX XXXX Collection balance of {$2900.00} 3. Failure of Credit Reporting Agencies to Investigate : Despite filing disputes directly with XXXX, Equifax, and XXXX, the disputed information has not been adequately investigated or removed. Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report, which has not been upheld in my case. 4. Identity Concerns and Data Breaches : My personal information was compromised in several data breaches, including the Equifax breach. I believe this has contributed to inaccuracies on my credit reports that need immediate correction. Impact of Inaccuracies : These reporting errors have caused significant harm, including : Damage to my credit score. Denial of credit and higher interest rates. Emotional distress from the ongoing disputes. Requested Resolution : I request the CFPB to : 1. Investigate these reporting errors and ensure that XXXX, Equifax, XXXX, and the listed creditors comply with federal laws, including the FCRA and 15 U.S.C. 1666b and 1692c ( c ). 2. Require the removal of the following accounts from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hold the reporting agencies and creditors accountable for their failure to address my disputes and verify the accuracy of their records. Thank you for your time and attention. I trust the CFPB will take swift and appropriate action to address these violations and protect my rights under federal law. Sincerely, XXXX XXXX that was my cpmplaint and your responseThank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX  THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, HIGH CREDIT, ADDITIONAL INFORMATION, ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Trade : XXXXXXXX XXXX XXXX XXXXXXXX XXXX THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, CHARGE OFF AMOUNT, HIGH CREDIT, BALANCE, ADDITIONAL INFORMATION, ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Trade : XXXXXXXX XXXX XXXX XXXX XXXXXXXX THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, HIGH CREDIT, ADDITIONAL INFORMATION, ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Trade : XXXXXXXX XXXX  THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, HIGH CREDIT, PORTFOLIO INDICATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Trade : XXXXXXXX XXXX XXXX XXXXXXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Trade : XXXX XXXX THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. i am requesting from the bureau and creditors verification that these accounts are mine i previously requested it and did not receive it but i would like to know what was used to verify these accounts that are not mine