I am in the process of applying for a loan. This applies to all credit agencies, but first XXXX. After pulling credit checks it has come to my attention, of all the three credit agencies XXXX is reporting my date of birth wrong! 

The discrepancy in credit scores between XXXX  and XXXX  is also over 80 points lower! XXXX  is reporting so low, that it affects my credit reputation and impeeds my ability to get approved. My credit with others is over 700+. The information being reported on XXXX is NOT correct. XXXX XXXX is paid in full. XXXX is less than {$1000.00}. 

The derogatory information regarding XXXX currently being reported on Transunion and XXXX  is not reporting accurate either. Fraudualent reporting from XXXX perceived for failing to disclose payments made of over {$13000.00} in TRUTH. I attach evidence that I paid to XXXX in XX/XX/2018 the sum of {$13000.00} this is commendable to be able to pay this. The statement shows this payment too. Currently in contrast the credit is reporting I paid {$0.00} in XX/XX/2018. My credit is reporting 30 days late, and claims I Paid {$0.00} in XX/XX/XXXX. 

Addition to XX/XX/XXXX if XX/XX/2018 I {$2800.00} to XXXX. Again in XX/XX/XXXX the XXXX is reporting {$0.00} paid in XX/XX/XXXX on credit too. This is false fraudualant reporting. In XX/XX/XXXX XXXX XXXX was paid in full. The XXXX XXXX reporting claims " 30 days past due.. in XX/XX/XXXX and XX/XX/2018 but reports no truth of Payments being made. 

It is being reported inaccurately due to what I was told by others in XXXX may be a communication break down related to perceive " cultural communications breakdown ''. The XXXX XXXX off shore team responsable for truth in reporting simply do not understand its a lie to report {$0.00} and fraudualant. What is being asked of them to to report payment made. As a USA company, XXXX has chosen to NOT employ Americans any longer in their credit reporting division. That is at their discretion as a company, I certainly have no cultural prejudice. This complaint is without prejudice. 

Various requests have been made to XXXX, to simply report the factual truth. In truth there was a verbal agreement made between myself and XXXX to pay the card. And I did pay " as agreed ''. It is not being reported that way. I did pay " as I agreed to pay '' on a RECORDED phone line with someone who sounded XXXX from what I perciece could only be the alleged XXXX " XXXX based '' off shore team. The associates of XXXX, engaged by XXXX at a cheaper hourly cost of employment, compared with emploing USA based. 

The off shore team seems to be a lack an understanding of how to make exceptions to rules. It is true - I Did not comply with the terms of XXXX " card agreement to " pay in full ''. But that's not the point in this case ... nor is it appropriate for XXXX to reply, citing I did not pay card " in full '' or that XXXX can't make exceptions to the reporting. 

The off shore team regardles of what country they are from does not understand USA as much as a USA based person does. The off shore team is not reporting to this with the facts, and the fact is - - I did pay down the card during the time period. To report NO PAYMENTS MADE {$0.00} as XXXX is reporting is a fraudulent misrepresentation of facts and false reporting on my credit file. 

In truth, I did pay per the verbal recorded phone agreement with XXXX I made to make a payment. In the State of California when you make an agreement to pay on the phone it changes the existing Card Agreement. The off shore XXXX based team is " following the protocol '' with no regard for STATE law and regulations. The card agreement says pay in full, and the XXXX based off shore team are in charge too of reply to this CFPB complaint, using a USA based address and sending an letter. 
Note nobody from the credit department can call you. Its because its XXXX based - only a letter of reply with words such as addresses leading us all to believe the reply is coming from XXXX, will come in reply to this CFPB complaint too. 

The XXXX XXXX XXXX is failing to understand that any off shore team will not have the same understand of what is being Asked of them compared with someone who lives in USA and knows USA because its their home. Under the circumstances here the XXXX off shore team is claiming they " can not make exceptions '' to credit reporting - but under these circumstance in USA the claim the XXXX off shore team is making is just NOT true. I have asked for a USA representative of XXXX to call me on this. When the XXXX USA do get on phone to me as their " valued customer '' and I do raise the discrepancy with my credit reporting - they ( USA XXXX ) attempt to put me through to an off shore call center, XXXX is their second language. That is where this mater now is being sent to for response too. 

The fair credit reporting Act of this country USA, requires Truth and Acurrate information to be reported - - it is " the American way ''. And if its not accurate, it MUST be deleted. The XXXX  and the Transunion and XXXX people reading this are all in USA. 

The in accurate reporting must be expunged. NO PLACE is there ANY reference to the payments I did actually make in the time period attached here to this complaint. That not true or fair credit reporting. 

In fact XXXX is reporting {$0.00} paid. This is not true and accurate. I upload supporting evededence of payments made. 

President Trump says, " Make America Great Again ''. The Question for XXXX is - - How can we if as a company there choosing to off shore and outsource such important services as accurate credit reprting? As a company if credit reporting in not accurate for whatever reason - it will mess up people life and ability to get credit. 

Off shore call centers are controlling the reporting, And through no fault of their own just failing to understand the issues at hand and report " partial payments '' or " paid as agreed ''. And then the off shore team is repeatedly failing to understand the request and DO NOT reply to any request appropriate to the USA way. In order to resolve the matter simply report the accurat truth. Can we Make America great Again if XXXX continue to XXXXmbrace the policies of not engaging Americans? Seems like a conundrum! 

Please - I dont expect the off shore team or XXXX to agree to resolve this matter. But XXXX and XXXX and Transunion are all USA based  employees USA jobs. communication breakdown from credit reporting agency folkes are less likely. I emplore the local based USA associates - - Please, just use the evidence I upload of my XXXX statement. See that there were in fact payments made - and all I am asking for is fair reporting. Just report that payments made. I upload this so you understand in simple terms - I request truth to be reported. And the truth is - that I did pay, and certainly not {$0.00} as XXXX off shore team is inaccurately reporting. Its says {$0.00} paid. That is not true! 

Lastly - XXXX account need to be expunged, it is a business card not a consumer card. See attached evidence.