Product: Credit reporting or other personal consumer reports

Subject : ** Formal Dispute Regarding Misrepresentation and Inaccurate Reporting by XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and harmful reporting of my XXXX XXXX account on my Equifax XXXX XXXX credit report. The reporting of this account has been fraught with misrepresentations that have severely damaged my credit score and hindered my ability to obtain a vehicle since this loan was erroneously marked as charged off. Below, I will outline the specific inaccuracies and violations committed by XXXX XXXX and request immediate action to resolve this matter. 

1. **Inaccurate Reporting of Payment History** XXXX XXXX has repeatedly misrepresented the payment history on my account. Initially, late payments were reported for XXXX and XX/XX/year>. Subsequently, these were backdated to reflect late payments starting in XX/XX/year>. Furthermore, my previously reported on-time payment for XX/XX/year> has been changed to late and then has now been marked as " no data available. " whilethe months following were all further changed to be marked as later than they previously were marked. This retroactive manipulation of my payment history is both inaccurate and harmful. It also makes no sense to report the account paid off in XX/XX/year> but then be charging it off that same month and also reporting as written off yet it then is shown as paid but there been no record of this {$140.00} being billed to me nor validated with r he original contract. 

2. **Repeated Reporting of a Charge-Off** XXXX XXXX has been re-reporting a charge-off every month for nearly five years, an action that is misleading and potentially unlawful. This repeated reporting creates the false impression that new delinquencies are occurring, which is not the case.

3. **Lack of Verification or Breakdown of the Alleged Charge-Off Amount** XXXX XXXX has failed to provide verification or a detailed breakdown of the alleged charge-off amount. My records show that the loan was paid in full in XX/XX/year>, just 10 months after the loan origination. Despite this, XXXX XXXX has inaccurately reported a charge-off of {$140.00}, which they claim was paid in XX/XX/year>. No evidence has been provided to substantiate this claim or justify the alleged charge-off. 

4. **Violation of Fair Reporting Practices** The continued misrepresentation of my account violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and complete. Additionally, this account has already been removed from other credit bureaus, yet Equifaxand XXXX continue to reflect this inaccurate and harmful account. 

**Requested Action : ** 1. Cease all reporting of this account on my Equifax XXXX XXXX credit report immediately. 
2. Correct the payment history to accurately reflect that the loan was paid in full in XX/XX/year>, with no charge-off or delinquencies. 
XXXX. Provide written confirmation of these corrections. 

I have reported these violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas State Attorney Generals Office, and the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. These agencies are now aware of XXXX XXXX harmful and misleading reporting practices. 

Please be advised that failure to address and resolve this matter promptly will leave me with no choice but to pursue further legal remedies. I trust that Equifax, XXXX, XXXX XXXX, and the CFPB will act in accordance with their obligations to ensure fair and accurate reporting. 

Thank you for your prompt attention to this urgent matter. I look forward to your response within 30 days as required under the FCRA.