Product: Credit reporting or other personal consumer reports

XXXX 1. XXXX XXXX XXXX Original Creditor : [ unknown ] Status : Collection account with a balance of {$400.00}, inaccurately reported as unpaid since XX/XX/XXXX, despite evidence that this account was disputed in accordance with the Fair Credit Reporting Act ( FCRA ). 


2. XXXX XXXX XXXX : Account showing a balance of {$50.00} marked as charged off and continuously reported inaccurately since XX/XX/XXXX. This remains unresolved despite prior disputes. 


3. XXXX XXXX XXXX Details : Incorrect balance and payment history marked as overdue from 6 years as of XX/XX/XXXX. 


4. XXXXXXXX XXXX XXXX Account : This account has been marked as charged off with a past due balance of {$3000.00} as of XX/XX/XXXX. 

I do not recognize this account and have disputed it with the credit bureau ( s ). No sufficient evidence or validation of this debt has been provided, yet it remains on my report. 

5. XXXX XXXX Account : This account shows a status of paid, closed with past late payments reported. I believe these reports are inaccurate and/or unverifiable. Despite previous disputes, the credit bureau has not adequately investigated or resolved this issue. 

6. XXXX XXXX Account : This account was closed with a {$290.00} balance written off. I have no recollection of opening or authorizing this account. My attempts to dispute this with the bureau have not resulted in any valid documentation or resolution. 

7. XXXX XXXX XXXX ( Duplicate Reporting ) : Account Status : Reported twice with identical balances and account details. 

Reason for Dispute : This is a clear duplicate entry, which is an error under the Fair Credit Reporting Act ( FCRA ). 

Requested Action : I request the immediate removal of the duplicate entry and validation of the remaining account with supporting documentation. 

8. XXXX XXXX XXXX : Account Status : Showing a balance of {$5500.00} past due as of XX/XX/XXXX with a history of being 180 days past due since XXXX. 

Reason for Dispute : I believe the reporting is inaccurate or unverifiable, and I have not received sufficient documentation validating this debt. 

Requested Action : Validate this debt with proper documentation or remove the account from my report. 

9. XXXX XXXX : Account Status : Listed as a collection account with a balance of {$820.00} as of XX/XX/XXXX. 

Reason for Dispute : This account does not belong to me, and I have no knowledge of this debt. 

Requested Action : Remove this account from my credit report if it can not be validated. 

10. XXXX XXXX XXXX : Account Status : Listed as paid and closed with late payments reported in XXXX. 

Reason for Dispute : The late payment reporting is inaccurate, and I have no record supporting this claim. 

Requested Action : Correct the payment history or remove this entry entirely. 

11. XXXX : Issue : This account is reported as charged off with a {$0.00} balance, but the payment history shows multiple inconsistencies, including charge-offs for XXXX, XXXX, and XX/XX/XXXX. 

Action Taken : I have disputed this account, yet no adequate investigation or validation has been provided. 

Request : Remove this account unless sufficient documentation is provided to validate the reporting. 

12. XXXX XXXX : Issue : This account is listed as charged off with a balance of {$840.00}, but I have not received documentation validating this debt. 

Action Taken : Previous disputes have failed to resolve the matter. 

Request : Validate the account with clear documentation or remove it if it can not be substantiated. 

13. XXXX XXXX XXXX : Issue : This account is reported with a balance of {$480.00}, marked as a collection account. I am not aware of this debt, and it may have been reported in error. 

Action Taken : Disputes with the credit bureaus have not yielded any resolution or proper validation. 

Request : Remove this account if it can not be validated with sufficient documentation. 


14. XXXX XXXX XXXX ( Duplicate Accounts ) : Account # 1 : A balance of {$150.00} is reported as a collection account with collection activity dating back to XX/XX/XXXX. 

Account # 2 : A balance of {$610.00} is reported as a separate collection account with overlapping reporting dates. 

Issue : These two accounts appear to be duplicative or inaccurately related. 

Request : Investigate and validate both accounts. Remove any duplicate or erroneous entries that can not be verified. 

15. XXXX XXXX : Account Status : Charged off with a balance of {$840.00}. 

Issue : This account has been inaccurately reported, and no documentation or proper validation has been provided to substantiate the debt. 

Request : Provide documentation validating this account or remove it entirely if it can not be substantiated. 

16. XXXX XXXX XXXX : Account Status : Listed as a collection account with a balance of {$480.00}. 

Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 


17. XXXX XXXX XXXX : Account Status : XXXX XXXX  XXXX acct # XXXX Listed as a collection account with a balance of {$2600.00} as of XX/XX/XXXX Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 


18. XXXX XXXX XXXX : Account Status : XXXX XXXX acct. # XXXX Listed as a written off collection account with a balance of {$400.00} as of XX/XX/XXXX. 

Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 


19. XXXX XXXX XXXX : Account Status : XXXX XXXX XXXX acct # XXXX Listed as a written off collection account with a balance of {$590.00} as of XX/XX/XXXX. 

Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 



20. XXXX XXXX XXXX : Account Status : XXXX XXXXXXXX XXXX acct # XXXX Listed as a written off collection account with a balance of {$4600.00} and XXXX on as of XX/XX/XXXX Issue : I do not recognize this debt, and it appears to have been reported in error. 

Request : Validate this account with appropriate documentation or remove it if validation can not be provided. 

Items are being reported in correctly of different amount on each credit bureas.