Product: Debt collection

I am filing a formal dispute regarding the inaccuracies on my credit reports concerning charge-off and collection accounts. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that these errors be removed immediately as they do not reflect the accurate status of the accounts in question. 

Accounts in Dispute : XXXX. Upgrade XXXX ( XXXX XXXX ) XXXX : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : Charge off XX/XX/XXXX : Charge off Equifax : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XXXX : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : Charge off XX/XX/XXXX : Charge off Issue : Discrepancies in reporting dates across bureaus, especially regarding the late payments and charge-off timeline. 
XXXX. XXXX XXXX XXXX Bank ( XXXX  ) XXXX : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : Charge off XX/XX/XXXX : Charge off Equifax : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 150 days late XX/XX/XXXX : 180 days late XX/XX/XXXX : Charge off XX/XX/XXXX : Charge off XXXX : XX/XX/XXXX : No Data ( ND ) XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 150 days late XX/XX/XXXX : Charge off XX/XX/XXXX : Charge off Issue : Inconsistent reporting of late payments across the bureaus and discrepancies in the charge-off period. 
XXXX. XXXX XXXX XXXX Bank XXXX : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 150 days late November 2023-November 2024 : Charge off Equifax : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 150 days late November 2023-November 2024 : Charge off XXXX : XX/XX/XXXX XXXX 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 150 days late November 2023-November 2024 : Charge off Issue : Reporting discrepancies between bureaus regarding late payments and charge-off timelines. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 150 days late XX/XX/XXXX : 180 days late XXXX XXXX XXXX : Charge off Equifax : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 150 days late XX/XX/XXXX : 180 days late XXXX : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : Charge off Issue : Discrepancies in late payment reporting and charge-off dates between bureaus. 
XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Charge off ( Act XXXX ) XXXX XXXX XXXX : Charge off ( Act XXXX ) Equifax XXXX XXXX XXXX XXXX  : Charge off ( Act XXXX ) XX/XX/XXXX : No information ( Act XXXX ) XXXX XXXX XXXX  : Charge off ( Act XXXX ) XXXX : April 2024-October 2024 : Charge off ( Act XXXX ) XXXX XXXX XXXX : Charge off ( Act XXXX ) Issue : Duplicate reporting and no purchase agreement provided for validation. 
XXXX. Portfolio Recovery Associates XXXX : XXXX : Charge off ( Acct XXXX ) Equifax : No information reported ( Acct XXXX ) XXXX : No information reported ( Acct XXXX ) Issue : No information or inconsistent reporting for the same account. 
XXXX. XXXX XXXX ( Fraudulent Account ) XXXX : XX/XX/XXXX : 30 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XXXX XXXX XXXX : Charge off Equifax : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : Charge off November XXXX XXXX : Charge off XXXX : No dates XXXX for this account. 
Issue : Fraudulent account not recognized and previously disputed. 

Requested Actions : XXXX. Validation of Debt : Request validation and proof of debt for all accounts, including signed agreements and payment histories. 
XXXX. Removal of Inaccurate Accounts : Request removal of accounts with unverifiable or inconsistent information, including : Upgrade XXXX ( XXXX XXXX ) XXXX XXXX XXXX Bank ( XXXX  ) XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXX. XXXX and XXXX : If the credit bureaus or creditors can not verify these accounts within the legal timeframe, I request their removal under FCRA XXXX. 
XXXX. Consistency XXXX XXXX : Request that the credit bureaus ensure consistency in reporting dates, balances, and statuses across all credit reports. 

Supporting Documentation : I have enclosed : Copies of my credit reports from XXXX, Equifax, and XXXX, with discrepancies clearly highlighted. 
Relevant correspondence with prior disputes. 
Proof of my identity ( e.g., drivers license, utility bill ). 

I request a written response detailing the results of your investigation and confirming that the inaccurate accounts have been removed.