Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a " charge-off '' listed on my credit report by XXXX ( also reported as XXXX XXXX XXXX  ). I have encountered several issues related to discrepancies in their contact information, failure to respond to my requests for debt verification, and their lack of communication regarding a settlement offer. These issues have significantly impacted my ability to resolve the matter and have left me in a state of uncertainty regarding my credit report. 

Details of the Complaint : Discrepancies in Contact Information : I have found conflicting contact information for XXXX across multiple credit reporting agencies. The addresses listed for XXXX on my credit reports are as follows : TransUnion : Address : XXXX XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX Experian : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX ( same ) Equifax ( Listed under Confident Financial Solutions ) : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX ( same ) Unfortunately, these addresses have proven to be invalid. The certified letters I sent to these addresses on XX/XX/year> and XX/XX/year> have been returned to me, preventing my ability to verify the debt or resolve the issue.

Failure to Provide Debt Verification : I have sent three separate letters requesting debt verification, as required by law under the Fair Debt Collection Practices Act ( FDCPA - Section 809 ). However, due to the invalid contact information, my certified letters were returned. I have not received any response from XXXX or XXXX XXXX XXXX, which has left me unable to verify or dispute the debt in question.

This failure to respond and provide verification violates my rights under FDCPA Section 809, which mandates that debt collectors must respond within 5 days to a consumers written request for debt verification. 

Unanswered Settlement Offer : In an effort to resolve this matter amicably, I sent a settlement offer to XXXX via email. According to the terms of the communication, I expected a response within 48-72 hours. However, as of today, I have not received any acknowledgment or response from the company, despite the time having passed. This is a violation of the FDCPA ( Section 809 ), which mandates that debt collectors respond to settlement offers in a timely manner.

Inconsistent Reporting to Credit Bureaus : There are discrepancies between the entries listed on my credit
reports across Experian, XXXX, and TransUnion. These discrepancies suggest that multiple agencies may be involved, but without proper communication from XXXX, I am unable to verify the details or determine the correct information. This situation has left me unable to fully assess and dispute the information being reported on my credit file. This may violate the Fair Credit Reporting Act ( FCRA - Sections 1681i and 623 ), which requires debt collectors to provide accurate information to the credit bureaus and respond to any disputes. 

According to Section 623 of the FCRA, debt collectors are required to ensure that the information provided to credit bureaus is accurate and updated. Furthermore, under Section 1681i of the FCRA, the credit bureaus are obligated to investigate any disputes and correct any inaccuracies in the credit report. The discrepancies in the reporting of my charge-off account suggest that XXXX has not followed these provisions.