Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Subject : Factual Dispute Demand for Immediate Deletion of Inaccurate and Unverifiable Accounts To Whom It May Concern : I am submitting a formal complaint regarding inaccuracies and unverifiable information currently reported on my credit reports with XXXX XXXX XXXX, and TransUnion XXXX Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report, and to remove inaccurate, incomplete, or unverifiable information after an investigation. 

I have disputed the following accounts with all three bureaus, but either the dispute process has not been handled appropriately, or I have not received sufficient results. I am seeking immediate deletion of these inaccurate accounts from my credit report due to the following reasons : Accounts Requiring Immediate Deletion : XXXX XXXX XXXX  ( Account # XXXX ) This account reports XXXX late payments after it was paid and closed in XX/XX/XXXX. A paid, closed account can not have late payments added after closure. 

XXXX XXXX XXXX ( Account # XXXX ) Reports four late payments despite being closed and paid in XX/XX/XXXX. Late payments on a closed, paid account are inaccurate and must be removed. 

XXXX XXXX XXXX  XXXX ( Account # XXXX ) This closed account still reports a past-due balance of {$150.00} as of XX/XX/XXXX. A closed account can not report a past-due balance after closure. 

XXXX XXXX ( Account # XXXX ) This account was charged off in XXXX, yet it still reports past due balances in XXXX. A charge-off should not continue to report as past due indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Account # XXXX ) Reports late payments after closure in XX/XX/XXXX. A closed account can not report late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( Account # XXXX ) Reports a late payment in XX/XX/XXXX, despite being paid and closed the same month. Late payments can not be reported on paid, closed accounts. 

XXXX XXXX XXXX ( XXXX ) XXXX ( Account # XXXX ) No validation from the original creditor has been provided. Unverified collection accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Collection ( Account # XXXX ) Reports an opening date of XX/XX/XXXX, which is in the future and is factually impossible. A future-dated collection account is inaccurate and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) This account was opened in XX/XX/XXXX but still reports past due in XXXX without validation. Past-due balances can not be indefinitely reported on collection accounts. 

XXXX XXXX XXXX ( Debt Buyer ) ( Account # XXXX ) Reports a past due balance of {$590.00}, despite being a collection account. XXXX accounts should not report a past due balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Account # XXXX ) Reports a collection balance updated as of XX/XX/XXXX, which is in the future and is factually impossible. Future-dated balances are automatically inaccurate and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Account # XXXX ) Reports a collection balance updated as of XX/XX/XXXX, which is in the future and factually impossible. Future-dated updates are inaccurate and must be removed. 

Summary of Issues : I disputed these accounts with XXXX, XXXX, and TransUnion, but several accounts were either not deleted, or they were incorrectly verified with insufficient evidence. 
I have not received clear validation for some of the disputed accounts, and many items on my credit reports contain incorrect, unverifiable, and outdated information. 
These accounts have caused me financial harm and have impacted my ability to obtain credit at fair terms. 
Requested Action : I am requesting that the CFPB intervene in this matter to ensure that the credit reporting agencies follow the legal requirements under the FCRA and remove these inaccurate and unverifiable accounts from my credit reports. If these items are not corrected, I would like to pursue further legal action. 

Supporting Documentation : I have attached copies of the dispute letters I sent to XXXX, XXXX, and TransUnion, as well as any responses I received. Additionally, I have attached any supporting documents that help show the inaccuracies of the accounts in dispute. 

Thank you for your time and attention to this matter. I request that the CFPB assist me in resolving these disputes and ensuring that my credit reports reflect accurate information in compliance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone : ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX