Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting Payment History : o TransUnion : " XXXX  '' ( Charge Off ) for several months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
o XXXX : " XXXX  '' ( on-time ) for the same months. 
o XXXX : " XXXX '' ( on-time ) for the same months. 
TransUnion reports XXXX XXXX XXXX  '' for recent months ( XXXX XXXX ), while XXXX and XXXX report " XXXX  '' ( on-time ). This discrepancy XXXX indicate incorrect reporting by TransUnion. 
XXXX. High Credit Discrepancy High Credit : o TransUnion : {$20000.00} o Experian : {$20000.00} o XXXX : {$7200.00} XXXX reports a significantly lower High Credit amount compared to TransUnion and XXXX. 
XXXX. Last Reported Date Discrepancy Last Reported Date : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX TransUnion reports an earlier Last Reported Date compared to XXXX and XXXX. This suggests that TransUnion may not have updated the account information. 
XXXX. Date Last Active Discrepancy Date Last Active : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX There is inconsistency in the reported Date Last Active across the bureaus, with XXXX reporting the earliest date. 
XXXX. Comments Section Comments : o TransUnion : " Payment after charge off/collection. Settled - less than full balance. '' o XXXX : " Account legally paid in full for less than the full balance. Unpaid balance reported as a loss by credit grantor. '' o XXXX : " XXXX accepted on this account. XXXX charge off. '' Comments are inconsistent across the three bureaus, leading to possible confusion for lenders. 

Summary of Inaccuracies Field TransUnion XXXX XXXX Issue Late Payments ( XXXX ) CO XXXX XXXX TransUnion reports Charge Off, while others report on-time payments. 
XXXX XXXX {$20000.00} {$20000.00} {$7200.00} XXXX reports a significantly lower XXXX XXXX. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TransUnion reports an outdated Last Reported Date. 
Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Date Last Active compared to the others. 
Comments '' Settled ... '' '' Legally paid ... '' '' Settlement accepted '' Comments are inconsistent across bureaus. 




XXXX XXXX Account # XXXX Inaccuracies and XXXX XXXX. Late Payment Reporting XX/XX/XXXX : o TransUnion : XXXX  ( on-time ) o Experian : XXXX  ( on-time ) o XXXX : 30 Days XXXX XX/XX/XXXX : o TransUnion : XXXX  ( on-time ) o Experian : XXXX  ( on-time ) o XXXX : 60 Days Late XX/XX/XXXX : XXXX TransUnion : XXXX  ( on-time ) o Experian XXXX XXXX  ( on-time ) o XXXX : 90 Days Late XXXX reports XXXX, XXXX, and 90 Days Late for XXXX XXXX XXXX, and XX/XX/XXXX, respectively, while TransUnion and XXXX show " OK '' ( on-time ) for the XXXX months. This discrepancy suggests potential inaccuracies in XXXX 's reporting. 
XXXX. High Credit and Credit Limit Discrepancy High Credit : o TransUnion : {$12000.00} o Experian : {$12000.00} o XXXX : {$11000.00} Credit Limit : o TransUnion and XXXX : {$11000.00} o XXXX : {$11000.00} The High Credit reported by XXXX is lower than that reported by TransUnion and XXXX. 
XXXX. Last Reported Date Discrepancy Last Reported Date : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Last Reported Date compared to TransUnion and XXXX, which may indicate outdated information., a dispute with XXXX XXXX align the reporting. 
XXXX. Comments Section Comments : o TransUnion : " Paying partial payment agreement. '' o XXXX : " Closed or paid account/zero balance. '' o XXXX : " Paying under a partial payment agreement. '' Comments are inconsistent across the XXXX bureaus, which could cause confusion for lenders. 
Field TransUnion XXXX XXXX Issue Late Payments ( XXXX ) XXXX XXXX XXXXXXXX, XXXX, 90 Days Late XXXX reports late payments while others report on-time payments. 
XXXX XXXX {$12000.00} {$12000.00} {$11000.00} XXXX reports a lower High Credit compared to other bureaus. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Last Reported Date. 
Comments '' Partial payment ... '' '' Closed or paid ... '' '' Partial payment ... '' Comments are inconsistent across bureaus. 




XXXX XXXX Account # XXXX Inaccuracies and XXXX XXXX. Late Payment Reporting XX/XX/XXXX : o TransUnion : 30 Days Late o XXXX : XXXX  ( on-time ) o XXXX : XXXX ( on-time ) XX/XX/XXXX : o TransUnion : XXXX  ( XXXX ) o Experian : XXXX  ( on-time ) o XXXX : 30 Days Late TransUnion reports 30 Days Late for XX/XX/XXXX, while XXXX and XXXX report " XXXX  '' ( XXXX ) XXXX XXXX reports 30 Days Late for XX/XX/XXXX, while TransUnion and XXXX report " XXXX. '' XXXX. Last Reported Date Discrepancy Last Reported Date : o TransUnion : XX/XX/XXXX o Experian : Not Reported o XXXX : XX/XX/XXXX XXXX reports a later Last Reported Date than TransUnion, while XXXX does not display any Last Reported Date. 
XXXX. Comments Section Comments : o TransUnion : " Settled - less than full balance. '' o XXXX : No comments. 
o XXXX : " XXXX accepted on this account. Closed or paid account/zero balance. '' Comments are inconsistent across the three bureaus, which may confuse potential lenders. 
XXXX. Payment Status Reported Payment Status : o TransUnion : Late 60 Days o XXXX : Paid o XXXX : Late 60 Days XXXX reports the account as " Paid, '' while TransUnion and XXXX report " Late 60 Days. '' This discrepancy indicates inconsistent reporting. 
Field TransUnion XXXX XXXX Issue Late Payments ( XX/XX/XXXX ) XXXX XXXX XXXX TransUnion reports late payment, while others report on-time payments. 
Late Payments ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX reports late payment, while others report on-time payments. 
Last Reported Date XX/XX/XXXX Not Reported XX/XX/XXXX XXXX reports a later date, while XXXX provides no date. 
Comments '' Settled ... '' None '' Settlement accepted '' Comments are inconsistent across bureaus. 
Payment Status Late 60 Days Paid Late 60 Days XXXX reports " Paid, '' while others report " Late 60 Days. '' Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 
XXXX. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 
4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.