Product: Credit reporting or other personal consumer reports

XXXX XXXX Florida XXXX XXXX Account XXXX Transunion Subject XXXX Formal Dispute and Demand for Immediate Removal of Unauthorized Reporting Overdraft/Reserve Checking Account To Whom It May Concern, I am writing to formally dispute the reporting of an overdraft/reserve checking account associated with Florida Credit Union on my TransUnion credit report XXXX The details of the account are as follows : Account Information : Overdraft/Reserve Checking Account Date Opened : XX/XX/XXXX Status : Closed, Charged Off as Bad Debt in XX/XX/XXXX Current Balance : {$1900.00} Reported High Balance : {$1000.00} Amount Charged Off : {$1900.00} Amount Due : {$1000.00} Charge-Off Date : XX/XX/XXXX Interest Rate : 198 % This reporting is being done without my explicit written consent, which is in direct violation of XXXX XXXX Code XXXX. Under this statute, consumer reporting agencies, including TransUnion, are prohibited from reporting any personal information without my express written permission. I have never provided such consent, and your actions in reporting this account constitute a severe violation of my rights and an invasion of my privacy. This is fraudulent and represents deceptive business practices. 

Violation of XXXX XXXX Code XXXX : As per the Fair Credit Billing Act, a creditor may not treat a payment as late for any purpose if it is made on time under an open-end consumer credit plan. Your actions in charging off this account and reporting it as a bad debt, despite my adherence to the terms, have violated this provision. Furthermore, no efforts were made to rectify this issue with me prior to it being reported, which further demonstrates bad faith and fraudulent conduct. 

Tax Fraud and Non-Compliance : It has come to my attention that, despite reporting this debt as charged off, Florida XXXX XXXX has not issued a XXXX form, as required by the IRS, to substantiate the cancellation of this debt. Failure to provide this documentation is a clear indication of potential tax fraud and deliberate non-compliance with federal regulations. This suggests that your institution may be engaging in deceptive accounting practices, which is not only illegal but also unethical. 

I demand that you immediately : 1. Remove all references to this account from my TransUnion credit file. 
2. Cease any and all reporting of this account to the credit bureaus. 
3. Provide written confirmation of these actions within 15 days of receipt of this letter. 

If Florida XXXX XXXX fails to comply with these demands, I will be forced to pursue all available legal remedies. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS for potential tax fraud. Additionally, I reserve the right to seek damages for the defamation of my character and the negative impact on my creditworthiness due to your unauthorized reporting and fraudulent conduct. 

Transunion is just as guilty of FCU As they have not received written consent from me to report information I expect your prompt and full cooperation in resolving this matter. 

Sincerely, XXXX XXXX