Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, 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.

Inaccuracies : 1. Future Reporting Dates o TransUnion Last Reported : XX/XX/XXXX o XXXXXXXX Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Issue : Reporting future dates violates the Fair Credit Reporting Act ( FCRA ) rules on accuracy and timeliness. This indicates a possible system error or premature data submission. 
2. Balance Inconsistency o Balance Reported : {$5500.00} o Credit Limit Reported : {$4700.00} o Issue : The reported balance exceeds the credit limit without explanation. If fees or penalties caused the overage, they should be documented. This inconsistency suggests a reporting error. 
3. Comments Conflict o TransUnion : " Charged off as bad debt. Dispute resolved ; reported by grantor. '' o XXXX : No comments visible. 
o XXXX : No comments visible. 
o Issue : TransUnion comments include dispute resolution details, while the other bureaus lack similar comments, indicating inconsistent reporting of dispute outcomes. 
o 4. Date Discrepancies o Date of Last Payment : TransUnion : XX/XX/XXXX XXXX : Not listed. 
XXXX : Not listed. 
o Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : Not listed. 
XXXX : Not listed. 
o Issue : The dates of last payment and activity should align across all bureaus. Missing dates in XXXX and XXXX raise concerns about incomplete reporting. 
5. Two-Year Payment History o TransUnion : Shows consistent " XXXX '' or blank entries, but no clear derogatory ( CO ) reporting. 
o XXXX : Payment history not visible. 
o XXXX : Payment history not visible. 
o Issue : Missing payment history in XXXX and XXXX suggests incomplete data reporting. TransUnions history lacks details on derogatory status ( " CO '' entries ). 
6. Account Type/Status Conflict o Account Type : Revolving Credit Card o Account Status : Derogatory and Collection/Chargeoff o Issue : Accounts can not simultaneously be listed as " Revolving '' and " Charged Off '' without clarification. This conflicting status indicates improper classification. 






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. 
3. 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.