Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Bureau Dispute Department : TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under FCRA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Sir or Madam, This letter serves as a formal dispute regarding inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I demand a proper investigation and immediate correction of the inaccurate and unverifiable information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Status : Collection/Charge-off Balance : {$7000.00} Date Opened : XX/XX/XXXX Past Due Amount : {$7000.00} Violations Under FCRA : XXXX ( a ) ( XXXX ) : Reporting Obsolete Information : Different dates of last activity are reported : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX If any date is inaccurately extended to re-age the debt, this is a violation of FCRA 605 ( c ). 
1681e ( b ) : Failure to Maintain Accurate Reporting : The payment history conflicts across bureaus. TransUnion and Experian show derogatory patterns inconsistent with Equifax, which shows OK marks for the same period. 

XXXX. XXXX XXXX Account Number : Ending in XXXX Status : Collection/Charge-off Balance : {$4100.00} Credit Limit : {$3600.00} Date Opened : XX/XX/XXXX Violations Under FCRA : 1681c ( a ) ( 5 ) : Reporting Obsolete Information : Inconsistent last activity dates : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX 1681e ( b ) : Failure to Report Consistently : Equifax shows months as OK while TransUnion and Experian show severe delinquencies. 

XXXX XXXX XXXX XXXXXXXX Account Number : Ending in XXXX Status : Collection/Charge-off Balance : {$4000.00} Credit Limit : {$4000.00} Date Opened : XX/XX/XXXX Violations Under FCRA : 1681c ( a ) ( 5 ) : Reporting Obsolete Information : Conflicting dates of last activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX 1681s-2 ( a ) : Duty of Furnishers to Report Accurately : The credit line closure was requested by the consumer, yet derogatory comments remain incorrectly reported.

Requested Actions : Pursuant to FCRA 1681i ( Investigation of Dispute ), you are required to : 1. Conduct a thorough investigation with each creditor.

2. Correct or delete any information that can not be verified within 30 days. 
3. Provide updated reports reflecting corrections.

4. Cease reporting information that violates 1681c regarding obsolete data.

Notice of Liability : If you fail to comply, I reserve my rights to seek damages under FCRA 1681n ( Willful Noncompliance ) or 1681o ( Negligent Noncompliance ), including actual, statutory, and punitive damages, along with attorney fees. 

Enclosures : Copy of ID ( Drivers License ) Proof of address ( e.g., Utility bill ) Response Timeframe : Under the FCRA, you must investigate and respond within 30 days. If the disputed information can not be verified, you must delete it from my credit file.