Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Reporting FCRA & FDCPA Violations Dear Equifax and XXXX XXXX XXXX, I am writing to formally dispute the reporting of the following XXXX XXXX XXXX  accounts on my Equifax credit report : Account # Balance {$900.00}, Credit Limit {$700.00} Account # Balance {$820.00}, Credit Limit {$500.00} Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I demand an immediate investigation and removal of these accounts for the following legal violations : 1. Reporting a Balance on a Charged-Off Account ( 15 U.S.C. 1681s-2 ( b ) ) A charged-off account means the creditor wrote it off as a loss and, therefore, the balance should reflect {$0.00} if no further collection activity is reported. 
Violation : Both accounts continue reporting an outstanding balance post charge-off, which is misleading and inaccurate. 

2. Re-Aging of the Debt ( 15 U.S.C. 1681c ( a ) ) The Date of First Delinquency ( DOFD ) determines the 7-year reporting period under the FCRA. However : These accounts were charged-off in XX/XX/year>, yet negative payment history is still being reported for XXXX. 
Violation : This is illegal " re-aging, '' extending the derogatory reporting beyond the legal limit. 

3. Failure to Accurately Mark the Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) The FCRA mandates that once a consumer disputes an account, the furnisher ( XXXX XXXX ) must ensure the credit bureau reflects the dispute accurately. 
Violation : The dispute remark is listed, yet the account continues updating with derogatory information, which is misleading. 

4. Continuous Late Payment Reporting After Charge-Off ( 15 U.S.C. 1681e ( b ) ) Creditors can not legally report monthly late payments after an account is charged off and closed.

Violation : XXXX XXXX is illegally reporting late payments beyond the charge-off date, making it appear delinquent indefinitely. 

5. Failure to Validate the Debt under FDCPA ( 15 U.S.C. 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand full validation of these debts, including : The original signed contract with my signature.

Full itemized accounting from the first delinquency date. 
Proof that XXXX XXXX has legal standing to collect or report this debt. 
If you can not provide the above within 30 days, you must delete these accounts per 15 U.S.C. 1681i ( a ) ( 5 ).

Legal Demand for Deletion & Resolution Due to these violations, I demand the permanent removal of these accounts from my Equifax credit report within 30 days or I will take the following actions : 1. File a formal complaint with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My States Attorney General Office 2. Pursue legal action for willful noncompliance with the FCRA ( 15 U.S.C. 1681n ), which allows me to sue for damages of up to {$1000.00} per violation. 
This letter serves as formal notice under Regulation Z ( Truth in Lending Act ) and FCRA, and any continued reporting of inaccurate information will be considered willful negligence.

Please respond in writing within 30 days confirming the deletion of these accounts. Failure to do so will leave me no choice but to escalate this matter legally. 

Sincerely, XXXX XXXX