Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE FCRA VIOLATIONS REGARDING INACCURATE REPORTING OF XXXX ACCOUNT Dear TransUnion Dispute Department, I am formally disputing the inaccurate and misleading reporting of an account on my credit file. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report. However, the XXXX account listed on my report contains multiple violations of federal law. 

Account Details in Dispute Creditor : XXXX ( XXXX XXXX Bank ) Balance : {$6200.00} Credit Limit : {$5000.00} Status : Charged-Off Account Type : Credit Card Violations Under the FCRA & My Demands 1. Inaccurate Charge-Off Balance FCRA 1681s-2 The account is reported as charged-off, yet it still shows a balance of {$6200.00}. If XXXX truly charged off this account, they must report a {$0.00} balance and cease updating the account. This discrepancy violates the FCRA, and I demand immediate deletion due to incomplete and misleading reporting. 

2. Possible Re-Aging of Debt FCRA 605 ( a ) The last payment date reported is XX/XX/year>, but the charge-off status predates this. If the date of delinquency was unlawfully altered to make this account appear newer than it is, this is illegal re-aging and a violation of federal law. I demand proof of the original delinquency date or immediate removal. 

3. Inaccurate Credit Utilization FCRA 1681e ( b ) This account shows that I am using 126 % of my credit limit, which is mathematically impossible. This inaccuracy negatively impacts my creditworthiness and constitutes negligent reporting. I demand immediate correction or deletion.

4. Improperly Reporting Late Payments After Charge-Off FCRA 1681s-2 If this account was charged off, there should be no additional late payments reported post charge-off. However, the history continues to reflect late payments after the charge-off date, which is misleading and inaccurate reporting.

5. Failure to Mark the Account as Disputed FCRA 611 ( a ) If I have previously disputed this account and it was verified without being marked as " disputed by consumer, '' this is an additional FCRA violation and warrants immediate deletion.

Formal Demand for Immediate Resolution 1. In accordance with the FCRA, I am demanding : Immediate deletion of the XXXX account due to inaccurate, misleading, and unverifiable reporting. 

2. Proof of the original delinquency date and an explanation of why the account continues to update post-charge-off.

3. Written confirmation that this account has been deleted from my credit report and will not be reinserted.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Furthermore, I reserve the right to take legal action for willful and negligent noncompliance with the FCRA ( 15 U.S.C. 1681n, 1681o ). 

I expect a written response within 30 days per the FCRAs investigation requirements. This dispute is being submitted via certified mail for legal documentation purposes. 

Sincerely, XXXX XXXX XXXX