Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting for XXXXXXXX XXXX XXXX  Account Dear TransUnion Dispute Department, I am disputing the accuracy of my XXXX XXXX  XXXX  account ( original creditor : XXXX XXXX ) as shown on my credit report. The discrepancies listed below violate the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I request that this account be removed from my credit file. 



Disputed Account Details Creditor Name : XXXX XXXX  Original Creditor : XXXX XXXX Account Number : [ XXXX ] Balance : {$740.00} Date Opened : XX/XX/XXXX Reporting Bureau : TransUnion Inaccuracies and FCRA Violations 1. Potentially Incorrect Balance ( Violation of FCRA 623 ( a ) ( 1 ) ) The reported balance of {$740.00} may not accurately reflect payments, charge adjustments, or waived fees. 
Requested Action : Verify and validate the balance, or delete the account if accurate information can not be provided. 
2. Inaccurate Date Last Active ( Violation of FCRA 605 ( a ) ) The Date Last Active ( XX/XX/XXXX ) is inaccurate, as this account was opened on XX/XX/XXXX and has already been sent to collections. Improperly resetting this date extends the reporting period, which is a violation. 
Requested Action : Correct the Date Last Active, or delete the account if accurate information can not be provided. 
3. Missing Payment History ( Violation of FCRA 623 ( a ) ( 1 ) ) The report does not contain any payment history, making it unclear when or how this account became delinquent before being sent to collections.

Requested Action : Update the report with accurate late payment history, or delete the account if proper records can not be provided.

4. Failure to Validate Debt Ownership ( Violation of FCRA 611 ( a ) ) XXXX XXXX  must provide proof that they legally own this debt and that the reported balance is accurate. If they can not provide original creditor documentation, the account should be removed. 
Requested Action : Verify debt ownership and balance accuracy, or delete the account if validation fails. 



CFPB Legal Precedent and Considerations The Consumer Financial Protection Bureau ( CFPB ) has taken legal action against TransUnion for failing to properly investigate disputes and correct inaccurate reporting. Based on these legal precedents, I expect full FCRA compliance when handling my dispute. 



Requested Actions 1. Correction or Deletion of Balance : Verify and correct any misreported fees or balance discrepancies.

2. Correction or Deletion of Date Last Active : Ensure that the Date Last Active ( XX/XX/XXXX ) is correct and not artificially extended. 
3. Completion or Deletion of Payment History : Provide a full record of delinquency leading to charge-off, or delete the account if proper data can not be verified. 
4. Validation of Debt Ownership : Provide legal validation that XXXX XXXX owns the debt and that the balance is correct. If validation can not be provided, remove the account. 
5. Written Confirmation of Resolution : Provide a written response regarding the investigation outcome within 30 days, as required under FCRA 611 ( a ).

Supporting Documentation Copies of my credit report with discrepancies highlighted Copy of my proof of identity ( Drivers License, Social Security Card, and Proof of Address ) Failure to correct or remove the inaccurate information within the legally required timeframe may result in further escalation through the CFPB or legal action. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX