Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FCRA SECTION 605B ALL FRAUD MUST BE REMOVED. IN THIS DISPUTE IM NOT JUST CAMING FRAUD IM POINTING OUT ALL OF THE OTHER VIOLATION. ATTACHED DOCUMENTS SHOW AND PROVE THE VIOLATIONS. 

Identified Violations Inconsistent Reporting Across Credit Bureaus ( FCRA 623 ( a ) ( 1 ) ( A ) ) Issue : The account information reported to XXXX XXXX XXXX XXXX  is inconsistent. For example : XXXX  reports a High Balance of {$33000.00}, while XXXX  reports {$0.00}. 



Date Opened is reported as XX/XX/XXXX  by XXXX  and XX/XX/XXXX  by XXXX. 



XXXX  has no data reported for this account, which suggests incomplete reporting. 



Why Its a Violation : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate and complete information to credit reporting agencies ( CRAs ). Inconsistent or incomplete reporting across bureaus can mislead creditors and harm the consumers creditworthiness. 



XXXX XXXX Compliance Issue : XXXX XXXX guidelines require consistent reporting of account data across all CRAs. The discrepancies in dates and balances violate XXXX XXXX standards for data uniformity.

Failure to Report Dispute Resolution ( FCRA 623 ( a ) ( 2 ) ) Issue : The report notes Dispute resolved; consumer disagrees ( XXXX  ) and Account closed at consumers request and dispute resolved/Consumer disagrees ( XXXX  ), but there is no indication that the resolution was properly reported or updated to reflect the consumers disagreement. 



Why Its a Violation : FCRA 623 ( a ) ( 2 ) mandates that furnishers must report the results of a dispute investigation to CRAs. Failing to update the account to reflect the consumers ongoing disagreement or the resolution details violates this requirement. 



XXXX XXXX Compliance Issue : XXXX XXXX requires the use of specific codes ( e.g., XXXX  for completed dispute investigations ) to indicate dispute resolution. The lack of clarity in the dispute status suggests non-compliance with XXXX XXXX standards. 



Inaccurate Account Status and Payment History ( FCRA 623 ( a ) ( 1 ) ( A ) ) Issue : The account is reported as Collection/Chargeoff with a balance of {$33000.00}, but the payment history for XXXX  shows NONE REPORTED, and XXXX payment history is incomplete or unclear ( e.g., inconsistent delinquency markers ). Additionally, the High Balance reported by XXXX  ( {$0.00} ) contradicts the Balance Owed ( {$33000.00} ). 



Why Its a Violation : FCRA 623 ( a ) ( 1 ) ( A ) requires accurate reporting of account status and payment history. Inaccurate or incomplete payment history and contradictory balance information can misrepresent the consumers credit behavior. 



XXXX XXXX  Compliance Issue : XXXX XXXX requires accurate reporting of payment history using standardized codes ( e.g., XXXX for current, 1 for 30 days late ). The absence of payment history for XXXX and inconsistencies in XXXX  reporting violate XXXX XXXX guidelines. 



Failure to Update or Correct Disputed Information ( FCRA 623 ( b ) ( 1 ) ( E ) ) Issue : The consumer disagrees with the dispute resolution, yet the account continues to be reported as derogatory with no updates reflecting the consumers position or corrections to disputed data.

Why Its a Violation : FCRA 623 ( b ) ( 1 ) ( E ) requires furnishers to correct or delete inaccurate information after a dispute investigation or to mark the account as disputed if the consumer disagrees. The continued derogatory reporting without updates violates this section. 



XXXX XXXX Compliance Issue : XXXX XXXX requires the use of a Consumer Information Indicator ( CII ) code ( e.g., XXXX  for ongoing dispute ) when a consumer disagrees with the resolution. The absence of such a code suggests non-compliance. 



Misleading Creditor Remarks ( FCRA 623 ( a ) ( 1 ) ( A ) ) Issue : The creditor remarks include Unpaid balance reported as a loss by the credit grantor ( XXXX  ) and contradictory statements about dispute resolution and account closure across bureaus. These remarks are vague and potentially misleading. 



Why Its a Violation : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from providing misleading information. Vague or contradictory remarks can confuse creditors and harm the consumers ability to secure credit. 



XXXX XXXX Compliance Issue : XXXX XXXX guidelines require clear and standardized remarks. The inconsistent and vague remarks violate XXXX XXXX standards for clarity.

Failure to Report Payment Frequency and Term Length ( FCRA 623 ( a ) ( 1 ) ( A ) ) Issue : The report lists Payment Frequency and Term Length as -- ( not reported ) for all bureaus.

Why Its a Violation : FCRA 623 ( a ) ( 1 ) ( A ) requires complete reporting of account terms. Omitting payment frequency and term length can misrepresent the accounts structure and affect credit scoring.

XXXX XXXX Compliance Issue : XXXX XXXX requires reporting of payment frequency and term length for revolving accounts. The absence of this data violates XXXX XXXX standards.