Product: Credit reporting or other personal consumer reports

TransUnion
P.O. Box 2000
Chester PA 19016-2000
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX
To whom it may concern,
I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit
Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon
as possible.
I understand that creditors are required to document and validate the data in my credit report before using it. I
find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are
completely false. I will fight back with all my strength, but I need evidence that supports the negative status of
my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my
report.
Your lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not
doing your job properly. Immediate action is imperative to resolve this issue; otherwise, there could be serious
consequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope
that everything can become clear and correct itself without the need for intervention or escalation.
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Balance: XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX11 $400.00 (!) Last Reported XXXX  (!)
Account Type BS-9 Revolving High Credit BS-12 XXXX (!) Date Last Active
BS-8
XXXX (!)
Account Type
Detail
Credit Card Balance BS-21 $0.00 Date of Last
Payment BS-27
XXXX (!)
Account Status
BS-17A
Open Past Due BS-22 $0.00 Date Opened BS10
03/05/2019 (!)
Bureau Code Individual Monthly Payment
BS-15
$0.00 7 Year History 30: 5 60: 3 90:1 (!)
Payment Status
BS-17B
Current No. of Months
(terms) BS-13
0
Comments BS-19 Account previously in dispute - now resolved by data furnisher , Credit card ,
Under 15 USC 1666b, this late payment entry is a violation. I have been incorrectly billed. - Please update the
status of this account to "paid on time."
Kindly be apprised that the referenced XXXX XXXX linked to XXXX, upon meticulous review,
seems to exhibit one or more variances from the obligatory stipulations governing ethical and lawful
declaration of the aforementioned claim. In accordance with CDIA guidelines, any modification to the
established norm raises plausible inquiries regarding the credibility of the stated data. Observable cues raise
suspicions of plausible inconsistencies in adherence to the mandated and verifiably sanctioned Metro 2
format Standard(s) for reporting.
I respectfully request the immediate removal of any derogatory accounts from my consumer credit reports,
specifically those lacking proven validity, compliance with reporting standards, or stemming from fraudulent
inquiries. This action is in accordance with the obligations outlined in state and federal reporting laws,
particularly the Fair Credit Reporting Act, and it should transpire within the mandated 30-day investigation
period. I eagerly anticipate your return to lawful, accurate, complete, and timely reporting, as well as the
prompt elimination of the aforementioned accounts from my updated credit report.
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Kindly dispatch your written reply to my location at XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX.
This letter is to notify you that I have been made aware of your illegal practice of sending form letters in
response to disputes and challenges from consumers, regardless of the information they have provided. This
act is in violation of 15 U.S. Code 5 1681i, which mandates that every dispute and challenge should be dealt
with independently and based on its own merits. The letters I sent were generated using software that is
available to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an
intentional disregard of my rights, and I will seek legal action by contacting my lawyer.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey, XXXX
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