Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting XX/XX/XXXX : o TransUnion : OK ( on-time ) o XXXX : RF ( Repossession Flag ) o XXXX : XXXX ( on-time ) XX/XX/XXXX : o TransUnion : Charge Off ( " CO '' ) o XXXX : RF ( Repossession Flag ) o XXXX : OK ( on-time ) XXXX reports " RF '' ( Repossession Flag ) for XXXX and XX/XX/XXXX, while TransUnion shows " CO '' ( Charge Off ) and XXXX shows " OK '' ( on-time ). The inconsistency suggests XXXX may have reported a repossession prematurely or incorrectly. 


2. Date Last Active Discrepancy Date Last Active : o TransUnion : XX/XX/XXXX o XXXX XXXX  XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Date Last Active compared to TransUnion and XXXX, which may indicate outdated reporting. 
3. Last Reported Date Discrepancy Last Reported Date : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports a later Last Reported Date compared to TransUnion and XXXX, which suggests delayed or incorrect updates. 
4. Comments Section Comments : o TransUnion : " Charged off as bad debt. Profit and loss write-off. '' o XXXX : " Merchandise was taken back by credit grantor. Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Charged off account. Accounts closed by credit grantor. '' Comments are inconsistent across all three bureaus, leading to confusion about the status of the account. 
5. Payment History Reporting TransUnion : Reports " CO '' ( Charge Off ) for multiple months in XXXX, but earlier months ( XXXX ) are OK. 
XXXX : Shows RF ( Repossession Flag ) for XXXX and XX/XX/XXXX, while earlier months are OK. 
XXXX : Reports " OK '' ( on-time ) for the same months. 
The inconsistent payment history suggests incomplete or incorrect reporting by one or more bureaus. 

Summary of Inaccuracies Field TransUnion XXXX XXXX Issue Late Payments ( XXXX ) CO RF OK XXXX shows repossession, TransUnion shows charge-off, and XXXX shows on-time. 
Late Payments ( XXXX ) OK RF OK XXXX reports repossession while others report on-time. 
Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Date Last Active. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports a later Last Reported Date. 
Comments '' Charged off ... '' '' Merchandise ... '' '' Charged off ... '' Comments are inconsistent across bureaus. 







XXXX Account # XXXX Inaccuracies and Issues 1. Missing Information in Credit Bureau Sections XXXX : No data reported. 
XXXX : No data reported. 
Only TransUnion provides information on this account, leaving the other two bureaus blank. This incomplete reporting may result in inaccurate credit evaluations. 
2. Late Payment History The Two-Year Payment History section is entirely blank for XXXX and XXXX. 
TransUnion shows consistent " XXXX '' entries for the past XXXX years, which do not align with the account 's derogatory status or charge-off reported. 
TransUnion 's payment history does not reflect any missed payments or late entries, despite the account being listed as charged off. This discrepancy indicates possible incomplete or incorrect reporting. 
3. Date Last Active Reported by TransUnion : XX/XX/XXXX The " Date Last Active '' should reflect the most recent activity. If no activity occurred in XXXX, this date may be incorrect. 
4. High Credit and Credit Limit High Credit : {$730.00} ( Reported by TransUnion ) Credit Limit : {$0.00} A credit limit of {$0.00} conflicts with the installment nature of the account. Typically, installment loans have a predefined credit limit. 
Summary of Inaccuracies Field TransUnion XXXX XXXX Issue Reporting Consistency Reported Not Reported Not Reported XXXX and XXXX do not show any data for this account. 
Late Payment History '' XXXX '' entries ( OK ) XXXX XXXX TransUnion shows no late payments despite the account 's derogatory status. 
Date Last Active XX/XX/XXXX - - Verify if the Date Last Active reflects actual account activity. 
High Credit {$730.00} Not Reported Not Reported XXXX and XXXX do not show High Credit ; Credit Limit is {$0.00}, which may be incorrect. 



XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting XX/XX/XXXX : o TransUnion : OK ( on-time ) o XXXX : OK ( on-time ) o XXXX : XXXX XXXX Late XX/XX/XXXX : o TransUnion : OK ( on-time ) o XXXX : OK ( on-time ) o XXXX : XXXX XXXX Late XXXX reports " XXXX XXXX Late '' for XXXX and XX/XX/XXXX, while TransUnion and XXXX report " OK '' ( on-time ) . This inconsistency suggests possible reporting errors by XXXX. 
2. Payment Status Payment Status : o TransUnion : Collection/Chargeoff o XXXX : Collection/Chargeoff o XXXX : Late XXXX XXXX While TransUnion and XXXX reflect the account 's charge-off status, XXXX incorrectly reports it as " Late XXXX XXXX. '' This inconsistency may misrepresent the account 's resolution. 
3. Last Reported Date Discrepancy Last Reported Date : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Last Reported Date compared to TransUnion and XXXX, which may indicate outdated information. 
4. Comments Section Comments : o TransUnion : " Payment after charge-off/collection. Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. Account legally paid in full for less than the full balance. '' o XXXX : " Consumer disputes after resolution. Settlement accepted on this account. '' Comments across the three bureaus are inconsistent, leading to possible confusion about the account 's status. 
5. Date Last Active Date Last Active : o TransUnion : XX/XX/XXXX o XXXX  : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Date Last Active compared to TransUnion and XXXX, which suggests outdated reporting. 
Summary of Inaccuracies Field TransUnion XXXX XXXX Issue Late Payments ( XXXX XXXX ) OK OK XXXX XXXX reports late payments while others report on-time. 
Payment Status Collection/Chargeoff Collection/Chargeoff Late XXXX XXXX XXXX reports late status instead of charge-off. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Last Reported Date. 
Comments '' Dispute resolved ... '' '' Paid in full ... '' '' Disputes after ... '' Comments are inconsistent across bureaus. 
Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Date Last Active. 





Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 
3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 
4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.