Product: Credit reporting or other personal consumer reports

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding significant inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) related to my credit reports from TransUnion, XXXX, and XXXX. Below is a summary of the issues identified, the discrepancies found, and the actions taken by the credit reporting agencies and creditors in response to my previous disputes. 

Disputed Accounts and Inaccuracies XXXX XXXX XXXX XXXX ( Account Number : XXXX ) TransUnion : Date of Last Activity : XX/XX/XXXXXXXX  Balance : {$400.00} ( Credit Limit : {$300.00} ) Status : Charge-Off Remarks : Account Information Disputed by Consumer XXXX XXXX Date of Last Activity : XXXX XXXX XXXXXX/XX/XXXX Balance : {$400.00} ( Credit Limit : {$300.00} ) Status : Charge-Off Late Payments : 30/60/90 days reported XXXX : Date of Last Activity : XX/XX/XXXXXXXXXXXX XXXX XXXX  Balance : {$400.00} Remarks : Unpaid Balance Reported As A Loss Issues : Inconsistent dates of last activity between bureaus. 
Unexplained balance exceeding the credit limit. 
Inconsistent late payment reporting. 
Action Taken : Filed a dispute with all three bureaus under FCRA Sections 609 ( a ) ( 1 ) and 623 ( a ) ( 2 ), requesting deletion of the account due to unverifiable and inaccurate data. As of [ Insert Date ], no verifiable documentation has been provided by the creditor or credit bureaus. 

XXXX XXXX XXXX ( Account Number : XXXX  ) TransUnion : Balance : {$10000.00} Last Activity : XX/XX/XXXXXXXX  Status : Open XXXX : Last Activity : XX/XX/XXXX Balance : {$10000.00} Status : Closed XXXX  : Last Activity : XX/XX/XXXX Status : Collection/Charge-Off Issues : Inconsistent last activity dates and status across bureaus ( Open vs. Closed ). 
Violation of FCRA Section 623 ( a ) ( 2 ), which mandates accurate and consistent reporting.

Action Taken : Filed disputes with all three credit bureaus under FCRA Section 609 ( a ) ( 1 ) due to conflicting information that renders the account unverifiable. No resolution has been provided as of [ Insert Date ]. 

XXXX ( Account Number : XXXX ) TransUnion, XXXX, XXXX : Balance : {$800.00} Status : Charge-Off Date of Last Activity : Inconsistent, ranging from XX/XX/XXXX, to XX/XX/XXXX Issues : Inconsistent date of last activity. 
Remarks and payment history are missing or inconsistent across bureaus. 
Action Taken : Filed disputes under FCRA Sections 611 ( a ) and 623 ( a ) ( 1 ) demanding verification or removal of this account due to inconsistent and unverifiable data. No evidence has been provided by the creditor, and the account remains disputed as of [ Insert Date ]. 

US Department of Education ( Multiple Accounts ) TransUnion, XXXX, XXXX : Balance : {$1500.00} to {$7700.00} Status : Charge-Off or Collection Remarks : Charge-Off or Collection Issues : Inconsistent payment histories across bureaus. Some reports indicate 46 % of payments were made on time, while others show 100 % on-time payments. 
Lack of documentation supporting reported delinquencies. 
Action Taken : Filed disputes with all three bureaus under FCRA Section 611 ( a ), requesting the removal of these accounts due to conflicting information and the absence of verifiable documentation. No resolution has been provided as of [ Insert Date ].

Cease and Desist Demand : In addition to the above disputes, I formally request that all reporting of inaccurate, incomplete, or unverifiable information on my credit report cease immediately, per FCRA Section 611. Failure to comply will result in legal action for willful noncompliance and defamation of character. I reserve the right to file further complaints with the CFPB and other regulatory bodies if the disputed items are not resolved within 30 days, as required by law. 

Affidavit of Truth : I, XXXX XXXX, swear under penalty of perjury that the disputes listed above are true and accurate to the best of my knowledge. The information reported by the credit bureaus is incorrect and unverifiable. I request immediate removal of the disputed accounts due to these inaccuracies and lack of verifiable evidence. 

Requested Resolution : I request that the CFPB investigate the conduct of TransUnion, XXXX, and XXXX for their failure to comply with the FCRAs requirements for accurate and consistent reporting. I also request that all disputed accounts be removed from my credit reports or corrected, with documentation provided verifying their accuracy. 

Signature XXXX XXXX