Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting for XXXX XXXX Account Dear TransUnion Dispute Department, I am disputing the accuracy of my XXXX collection account ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) as reported on my TransUnion credit file. The discrepancies listed below violate the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I request that this account be removed from my credit file. 



Disputed Account Details Creditor Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$1700.00} Date Opened : XX/XX/year> Date Last Active : XX/XX/year> Reporting Bureau : TransUnion Inaccuracies and FCRA Violations 1. Questionable Balance ( {$1700.00} ) Violation of FCRA 623 ( a ) ( 1 ) The balance may be incorrect if fees, payments, or adjustments are not properly accounted for.

Requested Action : Validate the balance and provide supporting documentation, or delete the account if proof can not be provided. 
2. Potentially Incorrect Date Last Active ( DLA ) & Last Reported Violation of FCRA 605 ( a ) The Date Last Active ( XX/XX/year> ) and Last Reported ( XX/XX/year> ) are recently updated and must be validated to ensure they reflect accurate account activity. 
Requested Action : Correct the Date Last Active & Last Reported date, or delete the account if validation fails. 
3. Missing Payment History Violation of FCRA 623 ( a ) ( 1 ) The payment history section is completely missing, failing to show delinquency progression leading up to the charge-off.

Requested Action : Provide full payment history, or delete the account if proper records can not be provided.

4. Failure to Validate Debt Violation of FCRA 611 ( a ) XXXX must prove that they legally own this debt and that the reported balance is accurate.

Requested Action : Provide documentation proving debt ownership, original creditor details, and a full transaction history, or delete the account if validation fails.

CFPB Legal Precedent and Considerations The Consumer Financial Protection Bureau ( CFPB ) has taken legal action against TransUnion for failing to properly investigate disputes and correct inaccurate reporting. Based on these legal precedents, I expect full FCRA compliance when handling my dispute.

Requested Actions 1. Correction or Deletion of Date Last Active & Last Reported : Ensure that the Date Last Active ( XX/XX/year> ) is correct, or remove the account if it was improperly updated. 
2. Validation of Balance Accuracy : Provide legal proof that the balance of {$1700.00} is correct, or delete the account if proof is unavailable.

3. Completion or Deletion of Payment History : Provide a full record of delinquency leading to charge-off, or delete the account if proper data can not be verified. 
4. Validation of Debt Ownership : Provide legal validation that XXXX owns the debt and that the balance is correct. If validation can not be provided, remove the account. 
5. Written Confirmation of Resolution : Provide a written response regarding the investigation outcome within 30 days, as required under FCRA 611 ( a ).

Supporting Documentation Copies of credit reports highlighting the discrepancies Proof of address Driver 's License Social Security Card 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, TN XXXX