Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Credit Bureau is reporting incorrect information on my credit report which is causing a negative impact on my credit score. The account labeled as XXXX from the following company SMART FINAN does not have a phone number and/or address on my report. Also, the account was transferred on XX/XX/XXXX but it is still reporting that I am 120 days late when I have been paying monthly to the following company XXXX XXXX XXXX on time since XX/XX/XXXX. Please delete this account off my credit report immediately. 

XXXX XXXX Solutions was contacted by me did not provide me with accurate information. I do not know what this particular debt is about with the amount of {$110.00} which is being reported on my credit report. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit report. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it. 


Dear SMART Financial Solutions : I am responding to your contact about a debt you are trying to collect. You reported to the credit bureau XXXX in XX/XX/XXXX that I am 120 days late when in fact I have never been late because the account was transferred to another agency XXXX XXXX XXXX XXXX XXXX which is also stated on my credit report. This account has been reported since XX/XX/XXXX which is also the exact date that XXXX XXXX XXXX has been reporting as well and they have been receiving my monthly payments since XX/XX/XXXX. This report is causing a negative impact upon my credit score and I want it removed immediately. 

Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 


If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 


If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 


I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 


In addition to providing the information requested above, please provide written documentation that this account has been deleted off my credit report immediately. Thank you for your cooperation. 
Sincerely, XXXX XXXX