Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent Under my rights afforded by the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ), I formally dispute the accuracy of the reported XXXX XXXX XXXX XXXX  account on my credit file . This account contains multiple discrepancies and ambiguities across all three credit reporting agencies XXXX, XXXX, and TransUnion which clearly violate reasonable verification procedures required under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ). 

Specific Discrepancies and Ambiguities : Status Inconsistency : XXXX lists the account as " Charge-Off '' with the last payment as XX/XX/year>. 
XXXX states the " Account Charged Off '' with a date discrepancy ( XX/XX/year> ) and marks a consumer dispute unresolved. 
TransUnion reports " Charged Off as Bad Debt '' with an unclear payment history. 
These inconsistencies indicate an inadequate investigation and verification process, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Ambiguous Payment History : Each bureau provides differing dates of delinquency and " charge-off '' status reporting, which contradict the accurate timeline. 
No payment history is displayed on TransUnion 's report, violating 1681e ( b ) regarding the accuracy of all data presented.

Verification Procedures : I demand the bureau disclose the reasonable procedures used to verify this account, as required under 15 U.S.C. 1681e ( b ). Failure to disclose such procedures violates my consumer rights. 
Consumer Statement and Dispute Status : XXXX mentions " Item in Dispute by Consumer '', yet it remains unresolved. This violates your duty under 15 U.S.C. 1681s-2 ( b ) to investigate disputes promptly and mark accounts as accurate only after proper validation. 
Violations of Law Identified : FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to maintain and follow reasonable procedures for maximum possible accuracy. 
15 U.S.C. 1681i ( a ) ( 5 ) : Failure to reinvestigate disputed items and correct or delete inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Failure of the furnisher to conduct a thorough investigation after being notified of a dispute.

Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S.C. 6802 : Non-consensual sharing of inaccurate data with credit bureaus.

15 U.S.C. 6804 : The bureaus failure to safeguard the integrity of consumer data during reporting. 
Recent Data Breaches Impacting Consumer Trust : Given the National Consumer Protection Database ( NPD ) breach, I question the validity of verification procedures for my personal data. This further necessitates proof that accurate records exist and were verified securely. 
Relief Sought : Immediate Deletion : I request that this account be permanently deleted from my credit file if your investigation can not prove its absolute accuracy. 
Procedural Documentation : Provide documentation of the methods used to verify this information. 
Cease Reporting : Stop reporting this account until your procedures are brought into compliance. 
Failure to address this dispute within 30 days will result in further actions, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Sincerely, XXXX XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved.