Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX for its failure to ensure accurate credit reporting and conduct a reasonable investigation of disputed items, as required by the Fair Credit Reporting Act ( FCRA ). XXXX has reported inaccurate late payments on three of my accounts, significantly harming my creditworthiness and limiting access to new credit. Below are the details and supporting evidence of XXXX violations : Summary of Issues : XXXX reported late payments caused by systemic failures to process updated payment methods and refusal to accept alternative payment methods during documented financial hardship. 
XXXX mislabeled my dispute as a " goodwill adjustment request, '' failing to conduct a proper investigation. 
-Positive payment history was not reported, leading to an incomplete and misleading credit profile. 

Violations of Federal Law -Failure to Report Accurate Information ( 15 U.S. Code 1681s-2 ( a ) ) : XXXX XXXX reporting of late payments does not reflect my good-faith efforts, including prompt updates to payment methods and immediate resolution once technical and financial barriers were overcome.

-Failure to Conduct a Reasonable Investigation ( 15 U.S. Code 1681i ( a ) ) : XXXX closed my dispute without adequately reviewing my evidence, including proof of financial hardship, compromised payment methods, and screenshots showing timely updates and good-faith payments. 

-Failure to Consider Billing Errors ( 15 U.S. Code 1666 ) : XXXX did not address errors stemming from its automated systems, which failed to recognize updated payment details. 

Inadequate Financial Hardship Accommodation : XXXX refusal to accept alternative payment methods during my unemployment, despite being informed of my circumstances, unnecessarily prolonged delinquencies. 

Evidence Submitted -Proof of Payment Method Updates : Screenshots of card updates and payment attempts show my good-faith efforts to pay on time ( see attached ). 
-Documentation of Financial Hardship : Job loss proof, including my employers exit survey and payroll data showing loss of income in XX/XX/2022. 
-Proof of Compromised Payment Cards : A letter from XXXX XXXX XXXX XXXX XXXX fraud-related cancellations of my debit cards. 

Impact of Inaccurate Reporting -These inaccuracies have caused significant harm, including denial of credit opportunities, emotional distress, and reputational damageXXXX XXXX actions have violated my rights under the FCRA, and I seek immediate corrective action. 
-It is my understanding that these inaccuracies have been submitted to at least one major credit bureau XXXX However, I am uncertain whether XXXX has also reported this information to other credit bureaus or specialty consumer reporting agencies. I request a thorough investigation into the full extent of their reporting. 

Conclusion XXXX XXXX response to my direct dispute was inadequate. They did not address the key issues I raised and failed to conduct a thorough investigation as required by law. Their continued reporting of these late payments is causing significant damage to my creditworthiness and hindering my ability to access credit. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX complies with the law and corrects the inaccurate information on my credit reports. 

Thank you for your attention to this matter. I am confident that the CFPBs intervention will lead to a resolution. 

Sincerely, XXXX XXXX XXXX