This letter is a formal complaint that XXXX  is reporting inaccurate and incomplete credit information..

Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account.

In a letter back in my first dispute, I requested PHYSICAL VERIFICATION OF PROOF THE CREDITOR USED TO VERIFY THIS ACCOUNT IS ACCURATE. As of this date and two disputes later, I have not received anything from XXXX Credit bureau, but I did contact XXXX   a couple of weeks ago and spoke to a XXXX and I was told by XXXX  that when investigating disputes, everything is sent electronically including the Creditors response ; which in my case the Creditor listed didnt send any documents to verify that this account was accurate.

I requested why I didnt receive documents that the Creditor sent to the Credit Union ; I was told there wasnt any documents sent, the Creditor just responded that the information reported is correct without having to provide any documentation to support the claim. I received a response back from you stating that the consumer stated that the information in the credit file has been VERIFIED AS ACCURATE AND UPDATED.

I asked XXXX who did they contact at XXXX to verify this account was accurate because when I called XXXX after being transferred four times because no one could find an account, I was transferred to a XXXX, who advised that she couldnt pull up the account but put me on hold and advised me that the account was transferred to a debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX* ( XXXX ) XXXX, I was told that I needed to contact them to get a copy of this account. I spoke with a XXXX XXXX and advised her of the dispute that this account should be closed due to the merchandise was returned. XXXX XXXX advised me that she was showing an original balance of {$620.00}, I advised her that this is incorrect, the XXXX  was returned and the amount was only {$390.00} plus prior to returning it I made a payment of {$30.00}. XXXX XXXX   advised me that she was showing the amount was over {$620.00}, I requested that she send me a copy of the transactions. ( see attached documents ) She agreed, and I received the transaction showing incorrect dates, incorrect return dates and a credit for {$390.00}. I am showing a balance of {$440.00} and a lot of other charges which it doesnt list what it was for and showing a return date of XX/XX/2014 which, it was incorrect, the correct month was in XXXX. I wasnt credited any finance charges from the sales, which I should have been credited, so it seems that XXXX was charging me late fees on their error. This should have been a XXXX balance.

After going over the Transaction Summary, I called XXXX XXXX back and advised her that I received the transaction and that the information is incorrect. I advised her that I am showing a bunch of transactions on this account for only an XXXX   ordered and the transactions do not have any descriptions.

I was advised that I needed to contact XXXX and let them explain it, I advised her that XXXX advised me that they couldnt pull up the account after it is turned over to a collection agency and I needed to speak to the collection agency.

XXXX XXXX advised me that she didnt know why they told me this because they have nothing to do with the product or the order summary. I advised XXXX with XXXX and kept asking him who XXXX speak to verify this account because neither XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX knows anything about this account, but your company advised that the INFORMATION WAS VERIFIED AND ACCURATE AND UPDATE. I want to know who VERIFIED THIS ACCOUNT!