I am writing this formal letter because the XXXX Credit Reporting Agency along with XXXX XXXX has been violating my rights under the FCRA. The violations are listed below. 

This XXXX account which sometimes reports as XXXX XXXX XXXX account # ( XXXX ) was added to my report on XXXX XXXX, XXXX when in fact this account was already showing on my credit report prior to this action on an XXXX XXXX, XXXX report reporting as XXXX on an XXXX report it was removed from there and placed on an Equifax report XXXX XXXX, XXXX report as well as a XXXX XXXX, XXXX report reporting as XXXX XXXX, when this was added it dropped my score by XXXX points. Then on XXXX XXXX, XXXX this account was removed, but my score did not go up. XXXX clearly states in a letter on XXXX XXXX, XXXX that they no longer service this account that it is now serviced by XXXX XXXX XXXX, XXXX ( small print at the bottom of letter ), so why is XXXX moving this account around which has reached its statue of limits for reporting this account. 

This is a formal complaint against XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ( XXXX ) XXXX ), XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ( XXXX ) XXXX ) and the XXXX Credit Bureaus. I am requesting that you investigate the situation and take the necessary action. 

If you need any additional information, please call me at ( XXXX ) XXXX am requesting that the item be removed.