Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate and Incomplete Information on My Credit Report Dear XXXX XXXX XXXX am writing to formally dispute the following information on my credit report with Experian, XXXX, and XXXX. After reviewing my credit report, I have identified inaccuracies and incomplete information that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and 15 U.S.C. 1666b, as well as other applicable regulations. Additionally, I would like to highlight the ongoing lawsuits filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian and XXXX for improperly investigating credit report errors and failing to comply with consumer protection laws. 

1. XXXX Account XXXX : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$750.00} Past Due Amount : {$110.00} Credit Limit XXXX {$650.00} The following errors are present with this account : Late Payments : There are XXXX reported late payments, including those listed as XXXX, XXXX, and XXXX  days overdue, which I dispute. These late payments are inaccurate, and I request that they be investigated and removed if unsubstantiated. Under 15 U.S.C. 1681i, the FCRA requires the credit reporting agencies to correct inaccurate information. 

Balance and Credit Usage : The reported balance of {$750.00} and the usage rate of XXXX XXXX are incorrect. I request that you correct these figures as the information does not accurately reflect the status of the account. 

Payment History : The payment history displayed does not reflect my actual payment record. I request that you review the payment history and remove any inaccurate information, as mandated under XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ). 

Account XXXX : The account is reported as open with a past due amount of {$110.00}. This is incorrect and should be updated to reflect the actual payment status. 

2. XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX : {$2000.00} The following inaccuracies are present with this account : Late Payments : The account has been reported with late payments and a " closed '' status due to missed payments, which I dispute. I request that you investigate these late payments and correct them if they can not be substantiated. 

Account XXXX : The account is listed as " closed, '' but reports of past due amounts are incorrect. The payment made on XX/XX/XXXX, should not affect the reported status, and I request that this information be corrected. 

3. BANK XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : Paid in settlement Credit Limit : {$5500.00} XXXX dispute the following : Late Payments : The report lists XXXX late payments, including multiple instances of XXXX, XXXX, and XXXX  days overdue. These late payments are not accurate. I request that Experian, XXXX, and XXXX investigate these payments and remove them if they can not be substantiated. 

Account XXXX : While the account is reported as " Paid in settlement, '' it inaccurately includes multiple late payments from XXXX. I request a review and correction of this information to ensure accuracy. 

XXXX. XXXX XXXX - Credit Card Account Account Number : XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : Paid, Closed Credit Limit : {$1000.00} This account contains : Late Payment : The account reports a late payment from XXXX, which I dispute. I request verification of this late payment and removal if found to be inaccurate. 

Account XXXX : The account is listed as " XXXX, XXXX, '' but a late payment from XXXX is still listed, which I believe is inaccurate. 

5. XXXX XXXX - XXXX Loan Account Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Original Balance : {$15000.00} There are discrepancies with this account : Late Payments : The report lists late payments ( 30 days past due ) for XXXX, which I dispute. I request that these payments be verified and removed if they can not be substantiated. 

Account XXXX : The account is listed as " XXXX, XXXX, '' but late payments recorded should be corrected if not properly verified. 

6. XXXX XXXX XXXX. 
Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-Off Balance : {$5500.00} The following errors should be reviewed : Late Payments : The account reports several negative months ( XXXX, XXXX, XXXX  days past due ), leading to the charge-off. I dispute these late payments and request a review to verify their accuracy. 

Charge-Off Status : While the charge-off balance of {$5500.00} is correct, I request that the timeline of late payments and charge-off status be reviewed for accuracy. 

7. XXXX XXXX - Credit Card Account ( Newly Added ) Account Number : XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX : {$2500.00} There are several issues with this account : Late Payments : The report lists XXXX  months with negative payment history, including multiple months reported as charge-offs. I dispute these reported late payments and request that you investigate and remove the inaccurate data. 

Charge-Off Status : The account is reported as charged off with a past due amount of {$2700.00}. I request that this charge-off status be investigated to ensure accuracy and remove any inaccurate data. 

8. XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX XXXX : {$300.00} There are discrepancies with this account : Late Payments : The report lists XXXX potentially negative months, including charge-off status and overdue amounts. I dispute these late payments and request that they be verified and removed if they can not be substantiated. 

Charge-Off Status : The account is reported as charged off with a past due amount of {$140.00}. I request that this charge-off status be investigated to ensure accuracy and remove any inaccurate data. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$1300.00} Credit Limit : {$900.00} The following errors should be investigated : Late Payments : The account reports XXXX potentially negative months, including charge-offs and overdue amounts. I dispute these late payments and request verification of their accuracy. These negative months should be removed if they can not be substantiated.

Charge-Off Status : The account is reported as charged off with a past due amount of {$1300.00}. I request a review of the charge-off status and payment history to ensure the accuracy of the information reported. 

10. XXXX XXXX  XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$4300.00} Charge-Off Balance : {$4600.00} The following issues should be reviewed : Late Payments : The account reports XXXX potentially negative months, including several months with negative payment history. I dispute these late payments and request a review to verify their accuracy. 

XXXX XXXX : The account is reported as charged off with a past due amount of {$4300.00}. I request a review of the charge-off status and reported late payments to ensure accuracy. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$530.00} Status : Collection The following errors should be reviewed : Collection Account : The report shows that this account is in collection for {$530.00}. I dispute the reported amount and request verification of the debt. 

XXXX XXXX XXXX : The account is listed as past due with a balance of {$530.00}, but I request that you verify the accuracy of this amount and remove any discrepancies. 

Consumer Financial Protection Bureau ( CFPB ) Lawsuits I also wish to highlight the CFPB 's lawsuits against both Experian and XXXX for sham investigations and improper handling of credit report disputes. These lawsuits point to significant failures on the part of both companies to properly investigate credit report errors and comply with consumer protection laws : Experian is being sued for failing to conduct proper investigations into consumer disputes, as detailed in the CFPB 's allegations. For further information, please see the CFPB lawsuit against Experian. 

XXXX has also been ordered to pay {$15.00} XXXX for improperly investigating credit report errors, as per the CFPB 's action against XXXX. 

Given these issues, I request that you conduct a thorough investigation into all of the above discrepancies and provide me with a detailed response of the findings. If the inaccurate information is not removed or corrected promptly, I will have no choice but to seek financial damages and take appropriate legal action as permitted by law. 

Please confirm receipt of this letter and provide me with a written response within XXXX  days as required by the Fair Credit Reporting Act. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX