Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX Account Dear Equifax Representative, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX account as shown on my credit report. The discrepancies listed below violate several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I am requesting the deletion of this account. 

Disputed Account Details Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$1100.00} Date Opened : XX/XX/year> Reporting Bureau : Equifax Inaccuracies and FCRA Violations 1. Misclassification of Account Type ( Violation of FCRA 623 ( a ) ( 1 ) ) The account is reported as both an Open Account and a Collection account, which is inconsistent and misleading. Collections accounts should not be classified as open, as this inflates the debt-to-credit ratio and negatively impacts my credit score. 
Requested Action : Correct the classification to reflect the proper collection status or delete the account if validation fails. 
2. Inconsistent Reporting of Payment Status ( Violation of FCRA 623 ( a ) ( 1 ) ) The payment status is listed as Late 120 Days, which conflicts with the collection status of the account. If the account is in collections, it should not have an additional late payment status.

Requested Action : Correct the payment status to reflect the accurate status or delete the account if this discrepancy can not be verified. 
3. Potential Incorrect Last Activity Date ( Violation of FCRA 623 ( a ) ( 1 ) ) The Date Last Active is shown as XX/XX/year>, but if no actual payments or recent activities have taken place, this date may be incorrect. Verifying the accuracy of this date is crucial, as incorrect activity dates can artificially extend the time the account remains on my credit report. 
Requested Action : Verify and correct the last activity date, or delete the account if accurate information can not be provided. 
4. Failure to Validate Debt Ownership ( FCRA 611 ( a ) ) XXXX XXXX XXXX is a known debt purchaser, and it is possible that they do not have sufficient documentation to validate the debt. 
Requested Action : Provide verification of the debt ownership and accuracy of the reported balance. If proper documentation can not be provided, delete the account. 

CFPB Legal Precedent and Considerations Equifax has been subject to recent legal actions by the Consumer Financial Protection Bureau ( CFPB ) regarding failures to properly investigate disputes and report accurate information. These legal precedents emphasize the need to fully comply with the FCRA when handling disputes like mine.

Requested Actions 1. Correction or Deletion of Account Classification : Correct the classification to properly reflect the collection status or delete the account if validation is not provided. 
2. Correction of Payment Status : Ensure that the payment status accurately reflects the accounts current standing or remove the account if accurate reporting can not be achieved. 
3. Verification and Correction of Last Activity Date : Verify and correct the Date Last Active to reflect accurate information or delete the account if it can not be properly verified. 
4. Validation of Debt Ownership : Provide proper validation of the debt, including the original creditor and all supporting documentation. If validation can not be provided, remove the account. 
5. Written Confirmation of Resolution : Provide a written response regarding the outcome of this investigation within the 30-day period required by FCRA 611 ( a ). 

Supporting Documentation Copies of credit reports highlighting the discrepancies Social Security Number Drivers License Failure to correct or remove the inaccurate information within the legally required timeframe may result in further escalation through the CFPB or legal action. Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX