Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting for XXXX XXXX  Collection Account Dear TransUnion Dispute Department, I am writing to dispute the inaccurate reporting of my XXXX XXXX  collection account ( original creditor : XXXX XXXX XXXX XXXX. ) on my credit report. The discrepancies listed below violate the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I request that this account be removed from my credit file. 



Disputed Account Details Creditor Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account Number : [ XXXX ] Balance : {$630.00} Date Opened : XX/XX/XXXX Reporting Bureau : TransUnion Inaccuracies and FCRA Violations 1. Potentially Incorrect Balance ( Violation of FCRA 623 ( a ) ( 1 ) ) The reported balance of {$630.00} may not accurately reflect payments, charge adjustments, or waived fees. 
Requested Action : Verify and validate the balance, or delete the account if accurate information can not be provided. 
2. Inaccurate Date Last Active & Last Reported ( Violation of FCRA 605 ( a ) ) The Date Last Active ( XX/XX/XXXXXXXX  ) appears inaccurate, as this account was opened XX/XX/XXXXXXXX  and has already been charged off. Improperly resetting this date extends the reporting period, which is a violation. 
Requested Action : Correct the Date Last Active or delete the account if accurate information can not be provided. 
3. Lack of Payment History ( Violation of FCRA 623 ( a ) ( 1 ) ) The report does not show any payment history leading to the charge-off, making it unclear how the account became delinquent.

Requested Action : Update the report with accurate late payment progression, or delete the account if proper records can not be provided. 
4. Failure to Validate Debt ( Violation of FCRA 611 ( a ) ) XXXX XXXX is a third-party debt buyer, meaning they must provide proof of debt ownership, the original creditors records, and a full accounting breakdown. If they fail to validate this information, the account must be removed. 
Requested Action : Provide complete validation of the debt, or delete the account if verification is not possible. 



CFPB Legal Precedent and Considerations The Consumer Financial Protection Bureau ( CFPB ) has taken legal action against credit bureaus, including TransUnion, for failure to properly investigate consumer disputes and correct inaccurate reporting. I expect full compliance with the FCRA when handling my dispute. 



Requested Actions 1. Correction of Balance : Verify the balance, or delete the account if validation fails. 
2. Correction of Date Last Active : Ensure that the Date Last Active ( XX/XX/XXXX ) is correct and not artificially extended. 
3. Completion of Payment History : Provide a full record of delinquency leading to charge-off, or delete the account if proper data can not be verified. 
4. Validation of Debt : Provide complete debt validation documents from XXXX XXXXXXXX XXXX XXXX, or remove the account if proper proof is not available. 
5. Written Confirmation of Resolution : Provide a written response regarding the investigation outcome within 30 days, as required under FCRA 611 ( a ). 



Supporting Documentation Copies of my credit report with discrepancies highlighted Copy of my proof of identity ( Drivers License, Social Security Card, and Proof of Address ) 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, TN XXXX