Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX Account Dear Representative, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX account as reflected on my credit reports with your bureaus. The discrepancies listed below represent violations of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I am requesting the deletion of this account. 

Disputed Account Details Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$740.00} Date Opened : XX/XX/year> Reporting Bureaus : Experian, Equifax Inaccuracies and FCRA Violations 1. Misclassification of Account Type ( Violation of FCRA 623 ( a ) ( 1 ) ) Experian and Equifax list this account as both an Open Account and a Collection account. This misclassification misleads lenders and inflates my debt-to-credit ratio, negatively impacting my creditworthiness. Collections accounts should not be classified as open. 
Requested Action : Correct the account classification to properly reflect it as a collection account or delete the account if proper validation can not be provided. 
2. Inconsistent Reporting of Payment Status ( Violation of FCRA 623 ( a ) ( 1 ) ) Experian reports the payment status as Collection/Chargeoff , while Equifax reports it as Late 120 Days. These discrepancies create confusion about the accounts actual status and harm my creditworthiness.

Requested Action : Correct the payment status to reflect accurate and uniform information across both bureaus or delete the account if the discrepancies can not be resolved.

3. Conflicting Dates of Last Activity and Last Payment ( Violation of FCRA 623 ( a ) ( 1 ) ) Experian and Equifax report different dates for the Last Activity and Last Payment. Experian shows XX/XX/year>, while Equifax lists XX/XX/year>. This inconsistency creates confusion about the timeline of account activity. 
Requested Action : Verify and correct the dates of last activity and payment to ensure consistency. If verification can not be provided, delete the account. 
4. Potential Failure to Validate Debt ( FCRA 611 ( a ) ) XXXX XXXX is a known debt purchaser, and it is possible that they do not have sufficient documentation to validate the debt. Given the reporting discrepancies, I request that you provide verification of the debt and its accuracy. 
Requested Action : If validation of the debt can not be provided, delete the account from my credit report.

CFPB Legal Precedent and Considerations Both Experian and Equifax have faced recent legal actions by the Consumer Financial Protection Bureau ( CFPB ) for their failure to properly investigate disputes and report accurate information. These precedents highlight the importance of strict adherence to the FCRA when handling disputes like mine.

Requested Actions 1. Immediate Correction or Deletion of Account Type : Correct the account classification to remove the Open Account designation or delete the account if validation fails. 
XXXX. Correction of Payment Status Discrepancies : Ensure that the reported payment status is consistent across both bureaus or delete the account if accurate information can not be provided.

3. Verification and Correction of Dates : Correct the conflicting dates of last activity and last payment or delete the account if verification is not possible.

4. Confirmation of Debt Validation : Provide documentation proving the accuracy of this debt or remove the account if proof can not be provided.

5. Written Confirmation of Resolution : Provide a written response regarding the outcome of the investigation within the 30-day period mandated by FCRA 611 ( a ).

Supporting Documentation Copies of credit reports highlighting the discrepancies Drivers License Social Security Number 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, XXXX XXXX XXXX XXXX