Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Navy FCU Account I am formally disputing the inaccurate reporting of a collection account associated with Navy FCU, which appears on my credit report. The details of the account are as follows : Creditor Name : Navy FCU Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$590.00} Credit Limit : {$500.00} Last XXXX of XXXX : XXXX Upon reviewing this account, I have identified multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request an immediate investigation and removal of this inaccurate information based on the following : 1. Future Reporting Date FCRA Violation This account was last reported on XX/XX/XXXX, which is a future date that has not yet occurred. Reporting information for a future period is impossible and inaccurate under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure maximum possible accuracy.

2. Credit Utilization Error Over XXXX % Usage on a Closed Account The report states that I am using XXXX % of my credit limit ( {$590.00} balance on a {$500.00} limit ). However, the account was closed on XX/XX/XXXX, meaning additional charges could not have occurred. This suggests incorrect balance reporting or continued interest accumulation post-closure, violating FCRA XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ], which mandates accurate account disclosures. 

XXXX. Contradictory XXXX XXXX XXXX XXXX XXXX My report states XXXX for XXXX late payments, yet the account is in collections/charged-off. 
If no late payments were recorded before the charge-off, this is a contradictory and inaccurate report. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report only accurate credit information.

4. Profit and Loss Write-Off with Disputed Status Potentially Illegal Re-Aging The remarks include Profit and loss write-off while also stating Dispute resolved subscriber disagrees.

This indicates the account was previously disputed, yet remains inaccurately reported.

If the charge-off was previously removed and re-reported, this would be illegal re-aging, violating FCRA 605 ( c ) [ 15 U.S.C. 1681c ], which limits negative information reporting to XXXX years from the original delinquency date. 

5. Failure to Provide Accurate Dispute Resolution FCRA & FDCPA Violation My dispute was previously resolved, yet my disagreement was recorded.

Under FCRA 611 ( a ) ( 5 ) ( B ), if a consumer disputes an account and the furnisher can not verify its accuracy, it must be removed.

Requested Actions : 1. Immediately remove this account from my credit report due to the reporting errors outlined above.

2. If Navy FCU maintains this entry, provide : Verification of the original delinquency date ( not a re-aged date ).

An itemized breakdown showing how a balance exceeded my credit limit post-closure.

Proof that the payment history accurately reflects the charge-off timeline.

3. Update me in writing within XXXX days, as required by FCRA regulations. 

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Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX