Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Dispute of XXXX XXXX XXXX XXXX XXXX, Charge-Off, and Paid Medical Debt Dear TransUnion Consumer Relations Team, This letter serves as my fifth and final attempt to resolve the disputes regarding inaccuracies on my credit report, which I have previously submitted to your office. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that the following issues be immediately corrected. Failure to resolve these matters within the next five ( 5 ) business days will result in my pursuing legal action to protect my rights.

1. XXXX  Credit Card Account : I dispute the listing of a late payment on my XXXX  credit card account. The account was never late, but the system failed to update its status, making it appear as if it were. I have provided documentation showing when the card was closed, which you have not utilized, continuing to verify the account as 30 days late. This should be corrected to reflect the accurate status of the account. 

XXXX. XXXX Account : I do not have a XXXX account, yet one continues to appear on my credit report. I have contacted XXXX, and they have confirmed that they have no record of an account under my name. Despite this, the account continues to be verified as accurate by TransUnion. This information should be removed immediately. 

XXXX. XXXX XXXX XXXX : I dispute the charge-off related to XXXX XXXX, which occurred in XXXX. No XXXX was issued to me by XXXX XXXX, yet XXXX was filed with the IRS, making the debt effectively paid under IRS guidelines. As such, this charge-off is invalid and should be removed from my credit report. 

XXXX. Fraudulent Inquiries from Dealership : I have already filed a police report and a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) under the report number XXXX, regarding fraudulent inquiries made by a car dealership. These inquiries include : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are the result of identity theft, and I expect them to be removed immediately from my credit report. 

XXXX. Delinquent XXXX XXXX XXXX : I am also disputing the medical debt of {$990.00} listed under XXXX XXXX. This account was paid off through their payment assistance program as of XX/XX/XXXX. I have submitted documentation regarding this payment XXXX times, and the debt should be removed or updated to reflect its paid status. 

As outlined under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, complete, and verified. You must investigate disputes within 30 days and correct or remove any inaccuracies. Your failure to do so in a timely manner is a violation of my rights under the FCRA. 

Given that this is my fifth attempt to resolve these issues, I expect prompt resolution within the next XXXX ( XXXX ) business days. If I do not receive confirmation of the necessary corrections by that time, I will pursue legal action to enforce my rights. 

Sincerely, XXXX XXXX