Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I, XXXX XXXX, am writing to follow up on my previous complaints ( Case Numbers : XXXX, XXXX, and XXXX ) regarding inaccurate information on my credit reports and violations of consumer protection laws by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and TransUnion ). 

Unresolved Issues and New Concerns Conflicting Account Status : My credit report shows the XXXX XXXX XXXX XXXX account as closed and paid with a {$0.00} balance as of XX/XX/XXXX. However, XXXX XXXX XXXX is reporting the same account number as an open collection with a balance of {$150000.00}. I submitted the evidence for this, but it was ignored and once again allegedly verified. The same account CAN NOT be reported by XXXX XXXX XXXX XXXX as closed and paid, and as an open collection with a balance. 

Inadequate Debt Verification : Despite claims that the debt was verified, the responses from the credit reporting agencies and XXXX XXXX XXXX fail to provide proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX reports the same account as closed and paid. 

Inconsistent Reporting : There are significant discrepancies in how this account is reported across the XXXX major credit bureaus : TransUnion : Reported under a different LLC, but is the same company, yet should not report at all because XXXX XXXX reports the same account as paid and closed. 

XXXX : Reporting the account as closed with a balance of {$150000.00}, on the same account that is reported as paid and closed by XXXX XXXX. 

XXXX : Reporting the account as open with a balance of {$150000.00}, on the same account that is reported as paid and closed by XXXX XXXX. 

Failure to XXXX as Disputed : Only XXXX shows the account as disputed, while XXXX does not. 

This is a violation of the FCRA, which requires furnishers to report accounts as disputed when notified by consumers. 

Time-Barred Debt : XXXX has acknowledged they can not sue for this debt due to its age, yet they continue to report it as an open collection, even though XXXX XXXX XXXX XXXX reports the same account, with the same account number as paid and closed. This practice violates the FDCPA 's prohibition on using unfair or unconscionable means to collect a debt. 

Recent Relevant Lawsuits CFPB XXXX XXXX ( XX/XX/XXXX ) : The CFPB filed a lawsuit against XXXX alleging several violations of the FCRA, including conducting " sham investigations '' rather than properly reviewing consumer disputes, which is the case with mine. 

XXXX XXXX ( XX/XX/XXXX ) : The CFPB ordered XXXX to pay a {$15.00} million fine for improper handling of credit reporting errors, including ignoring consumer documents and evidence submitted with disputes, which is the case with mine. 
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CFPB v. TransUnion ( XX/XX/XXXX ) : The CFPB sued TransUnion for violating a XXXX law enforcement order and continuing to engage in deceptive marketing. 
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XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court ruled on the issue of standing in FCRA cases, emphasizing the importance of concrete harm caused by inaccurate credit reporting. 
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CFPB XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) : This case resulted in a {$15.00} XXXX settlement for improper debt collection practices, including collecting on time-barred debts, which is the case with mine. 

Requested Actions Conduct a thorough investigation into the verification process used by XXXX XXXX XXXX and the credit reporting agencies. 

Require XXXX XXXX XXXX to provide documented proof of debt ownership and validation. 

Ensure consistent and accurate reporting across all three credit bureaus. 

Remove the XXXX XXXX XXXX account from my credit reports if proper verification can not be provided. 

Investigate potential FDCPA and FCRA violations by XXXX XXXX XXXX and the credit reporting agencies. 

Review the systemic issues identified in the recent XXXX and XXXX cases to determine if similar problems are present in my situation. 

I respectfully request that the CFPB take these concerns seriously and investigate these issues thoroughly. The practices described here not only affect my financial well-being but also raise significant questions about compliance with federal consumer protection laws. Thank you for your attention to this matter.