Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued and inaccurate reporting of the XXXX account ( Account Number : XXXX ) on my credit reports with Experian and XXXX. Despite the account being settled in full on XX/XX/XXXX, as verified by XXXX XXXX XXXX XXXX ( current owner of the debt ), this account remains listed with a charge-off status, delinquent payment history ( XXXX days past due ), and other derogatory marks. This ongoing reporting is fraudulent, unjustified, and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). I demand immediate correction and deletion of this account from my credit reports. 

Evidence of Settlement and Inaccuracies The account originated from a package ( Timberland boots ) stolen on XX/XX/XXXX, which I never received, leading to an unauthorized charge-off of {$630.00} reported by WebBank/Fingerhut. I have provided extensive documentation, including : XXXX Police Department Summary Incident Report ( Report Number : XXXX ) dated XX/XX/XXXX, confirming the theft. 
FTC Identity Theft Report ( Report Number : XXXX ) dated XX/XX/XXXX, establishing me as a victim of identity theft. 

Settlement Letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, verifying the account was settled in full on XX/XX/XXXX, and requesting deletion of the tradeline within 30 days. 

Credit Reports : Experian ( last reported XX/XX/XXXX, charge-off {$630.00} ) and XXXX ( last reported XX/XX/XXXX, charge-off ) still reflect inaccurate derogatory information despite the settlement. 

The continued reporting of this account as delinquent or charged-off after settlement violates FCRA Section 1681s-2 ( b ), which requires furnishers to update inaccurate information, and FCRA Section 1681e ( b ), which mandates accurate reporting by credit bureaus. The settlement nullifies any basis for reporting negative payment history or charge-off status, and your failure to update this constitutes negligent or willful noncompliance ( 15 U.S.C. 1681o or 1681n ).

Violations of Consumer Protection Laws FCRA : WebBank/Fingerhuts failure to update the account status post-settlement and the credit bureaus failure to reinvestigate after my prior disputes violate 15 U.S.C. 1681i and 1681s-2 ( b ). This has harmed my creditworthiness, entitling me to actual damages, punitive damages, and attorneys fees.

FDCPA : If collection efforts continued post-settlement, this breaches 15 U.S.C. 1692 et seq., as no debt remains collectible.

TILA : Unauthorized charges from the stolen package and lack of disclosure violate TILAs consumer protections.

Demand for Immediate Action I demand that : XXXX immediately notify all credit bureaus to delete this account and correct all derogatory marks. 

Experian, XXXX, and XXXX conduct a reinvestigation within 30 days ( per 15 U.S.C. 1681i ) and remove the account, given the settlement evidence.

Failure to comply within 15 days will result in legal action, including complaints to the CFPB, FTC, and a lawsuit for damages under the FCRA, FDCPA, and TILA. I am prepared to seek statutory damages, actual damages, punitive damages, and attorneys fees.