Product: Credit reporting or other personal consumer reports

Subject : XXXXispute of Inaccurate Reporting for XXXX XXXX XXXX Account Dear Equifax Representative, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX account as shown on my credit report. The discrepancies listed below represent violations 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 Account Number : [ XXXX ] Balance : {$6100.00} Date Opened : XX/XX/XXXX Reporting Bureau : Equifax Inaccuracies and FCRA Violations 1. Inaccurate Payment Status ( Violation of FCRA 623 ( a ) ( 1 ) ) The account is marked as Repossession and Derogatory, but the payment history for the past XXXX years shows only OK statuses, creating a major inconsistency in the reporting. If the account was in repossession, the payment history should reflect the corresponding missed payments or delinquency events. 
Requested Action : Correct the payment status or delete the account if accurate reporting can not be verified. 
2. Potentially Incorrect Balance ( Violation of FCRA 623 ( a ) ( 1 ) ) The reported balance is {$6100.00}, but it is unclear if this balance reflects adjustments for the repossession and any subsequent sale or auction of the vehicle. If the vehicle has been sold, the balance should reflect the amount remaining after the sale.

Requested Action : Provide validation of the remaining balance, or delete the account if accurate information can not be provided.

3. Conflicting Comments and Last Activity Date ( Violation of FCRA 623 ( a ) ( 1 ) ) The account lists a Date Last Active of XX/XX/XXXX but is reported as Last Updated on XX/XX/XXXX. This discrepancy could result in the account being artificially extended on my credit report, violating proper reporting limits. 
Requested Action : Verify and correct the date of last activity or delete the account if the current date is inaccurate. 
4. Failure to Validate Repossession and Charges ( Violation of FCRA 611 ( a ) ) The creditor must validate the details of the repossession, any balance adjustments, and any additional fees related to the repossession.

Requested Action : Provide validation of the repossession, balance adjustments, and charges or delete the account if proper validation can not be provided.

CFPB Legal Precedent and Considerations Equifax has been subject to recent legal action by the Consumer Financial Protection Bureau ( CFPB ) for failures in properly investigating disputes and accurately reporting adverse information. These legal precedents highlight the importance of compliance with the FCRA.

Requested Actions 1. Correction or Deletion of Payment Status : Correct the payment status to reflect accurate information or delete the account if verification can not be provided.

2. Verification and Adjustment of Balance : Verify the balance and adjust it to reflect any vehicle sale or auction proceeds, or delete the account if proper validation is not possible.

3. Correction of Last Activity Date : Ensure that the Date Last Active is accurate and does not artificially extend the reporting period of this account.

4. Validation of Repossession and Charges : Provide validation of the repossession, including documentation of the sale or any outstanding balance. If validation can not be provided, delete the account.

5. Written Confirmation of Resolution : Provide a written response regarding the outcome of this investigation within the XXXX period required under FCRA 611 ( a ).

Supporting Documentation Copies of credit reports highlighting the discrepancies Drivers 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, XXXX XXXX XXXX XXXX