XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed. 
