Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Regarding XXXX XXXX  Charge-Off Reporting, Request for 1099-C, and Potential Violations of the FCRA and 15 U.S.C XXXX 1681 Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX regarding their improper credit reporting practices and failure to provide me with a 1099-C form for a charged-off account. My account details are as follows : Creditor : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Charged off as of XX/XX/XXXX - Balance : {$82000.00} Issues of Concern : 1. Failure to Provide 1099-C : XXXX XXXX has charged off my account and reported a substantial amount as written off. However, they have not issued me a 1099-C Cancellation of Debt form, which is required for tax reporting purposes under IRS regulations XXXX 

2. Continued Reporting and Collection Attempts : Despite the account being charged off, XXXX XXXX continues to report this debt on my credit reports with Experian, XXXX, and XXXX. This may constitute an attempt to collect a debt that has been charged off, potentially violating the Fair Debt Collection Practices Act ( FDCPA ). 

3. Discrepancies in Reporting : Upon reviewing my credit reports, I found inconsistencies in the way the account is reported across the three credit bureaus : - Experian : Lists the account as charged off with payment history reflecting late payments beyond the charge-off date. 
- XXXX : Marks the account as charged off but inconsistently shows late payments even after the charge-off date. 
- XXXX : Indicates the account as charged off but lacks payment history, inconsistent with the other reports. 

These discrepancies negatively affect my creditworthiness and are misleading to potential creditors. 

Potential Violations of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681 : XXXX XXXX 's actions may constitute violations of the FCRA and related statutes, including but not limited to : - 15 U.S.C. 1681s-2 ( a ) : Duty of furnishers to provide accurate information. Inaccurate reporting and inconsistent information across credit bureaus violate this provision. 
- 15 U.S.C. 1681i : Failure to properly investigate disputed information. If XXXX XXXX has not conducted a reasonable investigation into disputes, this may violate this section. 
- 15 U.S.C. 1681e ( b ) : Obligation to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. 
- 15 U.S.C. 1681c : Reporting outdated or obsolete information, such as continued reporting of negative information after the charge-off date. 
- 15 U.S.C. 1681s-2 ( b ) : Failure to correct and update inaccurate information following a dispute. 

Request for Action : - Please investigate XXXX XXXX 's failure to provide the required 1099-C form. 
- Review their credit reporting practices to ensure compliance with the FCRA and FDCPA. 
- Request XXXX XXXX to correct any inaccuracies and provide the 1099-C form without further delay. 
- Ensure that XXXX XXXX is held accountable for any violations identified during the investigation. 

I have attached relevant screenshots of my credit reports for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX