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Account information incorrect. 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