In or around XX/XX/XXXX, my former JC Penney credit card account was turned over to XXXX XXXX XXXX, a Debt Buyer in XXXX, VA. 

XXXX XXXX began reporting this alleged XXXX XXXX to all national credit bureaus, in or around XX/XX/XXXX. 

XXXX XXXX blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As XXXX XXXX is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that Experian, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If XXXX reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by XXXX XXXX to " update '' this alleged Matter by XXXX year, thereby significantly increasing the negative effect on my credit scores. 

Further, as XXXX XXXX has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by XXXX XXXX was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of XXXX XXXX, and their credit reporting, as a whole. 

Last but not least, XXXX XXXX reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly seven hundred dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.