Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Dispute of Inaccurate and Unverified Credit Reporting Account # XXXX To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and unverified information that your company is reporting to the credit bureaus regarding my account ( # XXXX ) **. This account is being reported as a charge-off, and the information contained in the payment history is inconsistent, incomplete, and in violation of my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ). 

Reasons for Dispute & Violations of Federal Law 1. Lack of Proper Verification ( FCRA 1681s-2 & FDCPA 809 ( b ) ) As per the FCRA, XXXX furnisher of credit information is required to ensure that all reported data is 100 % accurate and verifiable. I am demanding full validation of this account, including : A signed agreement proving that I owe this debt. 
A full accounting of all charges and payments. 
Documentation proving that XXXX XXXX XXXX XXXX is legally authorized to report this debt. 
2. Inconsistent and Unverifiable Payment History ( FCRA 1681e ( b ) ) The payment history contains no detailed balance or payment data for multiple months, yet suddenly transitions into XXXX, XXXX, XXXX, and 120 days late statuses. This is an indication of incomplete and inaccurate reporting, which is a direct violation of the FCRAs accuracy requirements. 
3. Improper Charge-Off Reporting ( FCRA 1681c ( a ) ) The account was reportedly closed on XX/XX/XXXX, yet the balance is still being reported as {$590.00}. If the account was closed and charged off, then no additional fees, penalties, or interest should have accrued past the charge-off date. The continued reporting of this balance is misleading and a potential violation of FCRA 1681c ( a ), which prohibits reporting outdated or misleading account information. 
4. Potential Re-Aging of the Debt ( FCRA 605 ( c ) ) The date of first delinquency appears to be late XXXX, yet the account is being reported with a removal date of XX/XX/XXXX. If this account was charged off in XX/XX/XXXX, the seven-year reporting period should expire no later than XX/XX/XXXX, but the reported removal date suggests the account may have been illegally re-aged to keep it on my credit report longer than allowed by law. 

Demand for Immediate Action Due to these clear violations of federal consumer protection laws, I am demanding that XXXX XXXX XXXX XXXX immediately take the following corrective actions : 1. Conduct a full investigation into the accuracy and validity of this account.

2. Provide written verification of the debt, including a complete payment history and contract agreement. 
3. Remove this account from my credit report if verification can not be fully substantiated.

4. Cease any further reporting of inaccurate, unverifiable, or misleading information to the credit bureaus. 

Legal Consequences of Non-Compliance Failure to correct this issue within 30 days of receipt of this letter will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Furthermore, under FCRA 1681n and 1681o, I reserve the right to take legal action for statutory damages, punitive damages, and attorneys fees due to willful or negligent non-compliance with federal law. 

Next Steps I expect a formal response within 30 days, as required by the FCRA. If this issue is not resolved, I will be forced to escalate legal proceedings. Please provide written confirmation when the necessary corrections have been made. 

Sincerely, XXXX XXXX