Product: Credit reporting or other personal consumer reports

To Whom It May Concern : First and foremost, as a consumer, XXXX XXXX, I understand that your company is nothing but a consumer reporting agency and the consumer financial protection bureau is the real " Bureau '' by federal law definition. Your company is reporting inaccurate, obsolete, erroneous, and misleading items on my credit report that have caused me much stress, XXXX XXXX, and economic harm. This has caused injury to me as I am unable to obtain credit solely because of the failures you have caused because you have not followed proper procedures to make sure that everything on my consumer report is accurate. The banking system is dependent upon fair and accurate credit reports. inaccurate credit reports impair the efficiency of the banking system. By you reporting inaccurate information without my knowledge on my consumer report I am telling you that I do not trust doing any business with you if these issues are not resloved. There could be severe consequences by keeping these inaccurate accounts on my consumer report as you know. Your Publishing of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, XXXX anguish, and lower FICO Scores. The term " identity theft '' means a fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave you permission to report my information. According to the 15 usc 1681b, a consumer reporting agency can only furnish a consumer report with a court order or with the written insturctions to the consumer to who it relates. I can assure you that I have never given your company any written instructions or permission to furnish anything on my consumer report which is a violation of federal law. I am demanding that these transactions be removed from my consumer report unless you can prove otherwise. I understand that you have assumed a Voluntary Role in evaluating people 's credit. The thing is that you have " Assumed ''. This means you have no federal or govermental backing which means as a consumer I have the right privacy to that and since I have never given you any permission to report anything on my behalf or authorized you to sell my data this is aggravated identity theft and is a felony. You have a need to meet the needs of the consumer regarding confidentiality. I am in the belief that your company has not followed proper procedures due to data breaches in the past and these companies reporting on my consumer report could very well be involved in past identity theft cases. There need to be major precautions in maintaining integrity in your business. Since you are required to respect my confidentiallity and my right to privacy. This tells me I have a choice on what can or can not be on my consumer report. I am well aware pursuant to 15 U.S. Code 1681g I, the consumer has the right to request a full file disclosure about the information within my consumer file which includes the sources of the information used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, and identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts require verification or must be removed ; Remove anything that is unverifiable, obsolete, and misleading from my credit report. Anything you decide to keep on here you can be held liable in federal court for negligence and non-compliance according to federal and state laws.