Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX Account Dear Credit Bureau Representative, I am writing to dispute the inaccurate and inconsistent reporting of my XXXX XXXX XXXX Account as shown on my credit report. The discrepancies listed below violate several provisions 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  Account Number : [ XXXX ] Balance : {$0.00} ( fully paid ) Credit Limit : {$5000.00} Payment Status : Late 30 Days ( disputed ) Reporting Bureaus : TransUnion, Experian, Equifax Inaccuracies and FCRA Violations XXXX. Incorrect Late Payment Reporting for XX/XX/year> ( Violation of FCRA 623 ( a ) ( 1 ) ) The account is reported as 30 days late in XX/XX/year> by TransUnion, Experian, and Equifax. However, the account shows a {$0.00} balance, indicating that the loan was fully paid.

The reported late payment may be incorrect if the balance was cleared prior to the reported due date.

Requested Action : Provide verification of the late payment with supporting documentation or remove the late payment entry. 
XXXX. Inconsistent Last Payment and Reporting Dates ( Violation of FCRA 623 ( a ) ( 1 ) ) TransUnion and Experian report the last reported date as XX/XX/year>, while Equifax reports it as XX/XX/year>. XXXX also shows a last activity date of XX/XX/year>, which is inconsistent with the other bureaus. 
These discrepancies indicate a lack of uniform and accurate reporting. 
Requested Action : Verify and correct the last payment and reporting dates, or remove the account if accurate information can not be verified.

3. Conflicting Closure Comments ( Violation of FCRA 623 ( a ) ( 1 ) ) Equifax includes a comment indicating Closed or paid account/zero balance but fails to provide a consistent reason across all bureaus.

Requested Action : Ensure that all bureaus provide a consistent and accurate explanation for the account closure or remove the account if the reason can not be verified. 
XXXX. Potential Obsolete Information ( Violation of FCRA XXXX ( a ) ) If any late payment is improperly reported beyond the allowed time frame, it must be deleted immediately. 
Requested Action : Verify the original delinquency date and remove any late payment that exceeds 7 years from this date.

Requested Actions 1. Immediate Deletion or Correction of Late Payment : If the late payment for XX/XX/year> can not be verified with supporting documentation, it must be removed.

2. Correction of Reporting Dates : Ensure that the last reported dates and last activity dates are consistent across all bureaus.

3. Consistent Closure Comments : Correct the conflicting closure comments, ensuring that the correct reason is uniformly reflected.

4. Verification of Time-Barred Information : Review the original delinquency date and remove any obsolete late payment beyond the 7-year reporting limit.

5. Confirmation of Resolution : Provide written confirmation of the investigation and resolution within the 30-day period required under 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