Product: Credit reporting or other personal consumer reports

RE : FORMAL DISPUTE OF INACCURATE ACCOUNT REPORTING XXXX XXXXXXXX ( Violations of FCRA and UCC ) To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of an account listed under the name XXXX XXXXXXXX on my TransUnion credit report. This account is in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ). The details are as follows : Creditor Name : XXXX  XXXX Balance : {$3800.00} Credit Limit : {$3500.00} Status : Charge-Off Closed Date : XX/XX/year> Violations Under FCRA & UCC 1 . Violation of FCRA 609 ( a ) ( 1 ) ( A ) Right to DocumentationUnder 15 U.S.C. 1681g, I have the right to request documentation that verifies the accuracy of this account. TransUnion must provide the original, signed contract bearing my signature. If TransUnion can not furnish this document, the account must be deleted immediately.

2. Violation of FCRA 623 ( a ) ( 1 ) Inaccurate ReportingThis account shows a balance greater than my original credit limit ( {$3800.00} vs. {$3500.00} ), which is factually impossible under standard credit agreements. Reporting this as a valid balance constitutes false and misleading information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

3. Violation of FCRA 611 ( a ) Failure to Conduct Proper InvestigationIf this account has been previously disputed, TransUnion is required to conduct an independent reinvestigation per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If you have failed to verify this account with legally admissible evidence, it must be removed immediately.

4. Violation of UCC 3-501 Proof of a Negotiable InstrumentAccording to UCC 3-501 , a debt must be verified through a wet-ink signature on a valid, negotiable instrument ( contract ). I formally demand that TransUnion and XXXX XXXX provide : The original contract with my signature The complete transaction history Proof of lawful assignment of debt If this proof can not be produced, the account must be deleted as unverified and unenforceable. 

5. Failure to Provide Reinsertion Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) If this account was previously removed and reinserted, TransUnion was required to notify me in writing within 5 business days. Failure to provide notice is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Formal Demands for Resolution : IMMEDIATE DELETION of the XXXX XXXX account from my TransUnion credit report due to failure to verify and multiple legal violations. 

PRODUCTION OF DOCUMENTATION Provide me with the original contract, proof of lawful assignment, and all records used to verify this debt. 

WRITTEN CONFIRMATION I require a written response confirming the deletion or reinvestigation of this account within 15 days, as mandated by federal law. 

Failure to Comply Will Result in Further Legal Action Should TransUnion fail to comply with my demands, I am prepared to escalate this matter by : 1. Filing complaints with the CFPB, FTC, and California Attorney General 2. Pursuing civil action for willful noncompliance under 15 U.S.C. 1681n 3. Seeking damages of up to {$1000.00} per violation This dispute is being sent via certified mail to ensure a documented record of my efforts to resolve this issue. I expect a written response within 15 days from the date of receipt. 

Sincerely, XXXX XXXX XXXX