Product: Credit reporting or other personal consumer reports

I am formally disputing the charge-off account reported by XXXX BXXXX XXXX , as the information being reported across the three major credit bureaus ( Experian, XXXX, and XXXX ) is inconsistent, inaccurate, and misleading. Under 15 U.S.C. 1681 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy, and your failure to do so is a direct violation of federal law. 

Violations of the FCRA Due to Inconsistent Reporting A review of my credit reports has uncovered the following material inaccuracies : Last Payment Date Discrepancy : XXXX : Reports last payment as XX/XX/XXXX. 
Experian & XXXX : Reports last payment as XX/XX/XXXX. 
Payment History Discrepancy : XXXX : Reports Charge-Off in XXXX. 
Experian : Reports Charge-Off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : Reports " Sold ; was Charged-Off '' without specifying charge-off timeline. 
Scheduled Removal Date Discrepancy : XXXX & Experian : XXXX/XXXX. 
XXXX : XXXX/XXXX ( Discrepancy in removal timeline ). 
These inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure the accuracy and integrity of consumer data. The discrepancies among the three bureaus indicate that the reported data can not be verified and must be deleted immediately under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Legal Demand for Reinvestigation and Removal Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am demanding that each credit reporting agency conduct a reasonable reinvestigation of the disputed information and provide evidence verifying the following details : A documented verification of my last payment date.

A full audit of how my payment history was recorded and why discrepancies exist.

The basis for the scheduled removal date and why it differs among the agencies.

As per the FCRA, the credit bureaus have 30 days from receipt of this dispute to conduct a reasonable reinvestigation and either verify the information with supporting documentation or delete the account from my report. Failure to comply will be considered willful noncompliance and subject to penalties under 15 U.S.C. 1681n.

Demand for Debt Validation Under 15 U.S.C. 1692g Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, XXXX XXXX XXXX is required to provide validation of this debt, including : A complete itemized accounting of the alleged debt, including original creditor documentation. 
A signed contract proving I agreed to the terms of this debt. 
Verification that this debt was legally assigned or sold in accordance with applicable laws. 
If XXXX XXXX XXXX can not provide proper validation, this debt must be removed from my credit report immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

Legal Notice and Intent to Escalate XXXX XXXX XXXX and the credit bureaus are now on legal notice that they are reporting inaccurate, incomplete, and unverifiable information. If this matter is not corrected within 30 days, I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FCRA and FDCPA. 
Pursue legal action under FCRA 15 U.S.C. 1681n, seeking statutory damages, punitive damages, and attorneys ' fees. 
Report this violation to my states Attorney General for further investigation into unlawful reporting practices. 
This letter serves as official notice under the FCRA and FDCPA. I expect a written response and a full validation of this account within 30 days, as required by law.