Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX XXXX Account Dear Experian Dispute Department, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX collection account ( original creditor : XXXXXXXX XXXX  ) as shown on my credit report. The discrepancies listed below violate several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I am requesting the deletion of this account. 



Disputed Account Details Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Balance : {$1100.00} Date Opened : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX XXXX Reporting Bureaus : XXXX XXXX Experian Inaccuracies and FCRA Violations 1. Potentially Incorrect Balance ( Violation of FCRA 623 ( a ) ( 1 ) ) The balance of {$1100.00} may be inaccurate if payments, fees, or adjustments have not been properly accounted for. 
Requested Action : Provide validation of the balance, including a breakdown of any fees or adjustments, or delete the account if verification can not be provided. 
2. Inconsistent Account Open Date ( Violation of FCRA 623 ( a ) ( 1 ) ) XXXX and Experian report different account opening dates ( XX/XX/XXXXXXXX XXXX XXXX  ), which indicates inaccurate reporting. 
Requested Action : Correct the account opening date to reflect the original creditors records or delete the account if validation fails.

3. Potentially Incorrect Date Last Active ( Violation of FCRA 605 ( a ) ) The Date Last Active is listed as XX/XX/XXXXXXXX which may have been improperly updated to extend how long the account remains on my credit report. If no payments or recent activity have occurred, this date should reflect the original charge-off or last payment date. 
Requested Action : Verify and correct the Date Last Active, or delete the account if proper validation can not be provided. 
4. Incomplete Payment History ( Violation of FCRA 623 ( a ) ( 1 ) ) The payment history lacks the proper delinquency progression, making it unclear how and when the debt became delinquent.

Requested Action : Update the payment history with accurate delinquency reporting, or delete the account if validation can not be provided.

5. Failure to Provide Debt Validation ( Violation of FCRA 611 ( a ) ) XXXX XXXX XXXX is a third-party debt buyer. Per the FCRA, they are required to provide proper documentation proving the validity of the debt, including details from the original creditor. 
Requested Action : Provide full validation of the debt, or delete the account if validation can not be provided. 



CFPB Legal Precedent and Considerations The Consumer Financial Protection Bureau ( CFPB ) has taken legal action against credit bureaus, including Experian and XXXX, for failure to properly investigate consumer disputes and correct inaccurate reporting. I expect full compliance with the FCRA when handling my dispute. 



Requested Actions 1. Correction of Balance : Provide verification of the balance, or delete the account if validation fails. 
2. Correction of Account Open Date : Ensure that the date opened is accurate across all bureaus.

3. Correction of Date Last Active : Verify and correct the Date Last Active to reflect accurate information, or delete the account if it can not be properly verified. 
4. Completion of Payment History : Ensure that the payment history

accurately reflects the delinquency timeline, or delete the account if accurate historical reporting can not be provided.

5. Validation of Debt : Provide full documentation validating the debt, including details from the original creditor, or delete the account if proper validation is not possible.

6. Written Confirmation of Resolution : Provide a written response regarding the outcome of the investigation within the 30-day period 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 XXXX, TN XXXX