Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information for XXXX XXXX XXXX XXXX I am writing to dispute inaccurate and inconsistent information being reported by both XXXX and Experian regarding my XXXX XXXX XXXX XXXX  account. This letter is submitted under my rights as defined by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon review of my credit reports, I have identified multiple errors that violate my rights under these laws. I request that both bureaus conduct an investigation and correct or delete the inaccurate information. Below are the specific inaccuracies and inconsistencies, along with the corresponding legal provisions : 1. Reporting of a Past Due Balance on a Charged-Off Account Inconsistency : Both XXXX and Experian report this account as Charged Off, but still list a Past Due balance of {$1800.00}. This is contradictory, as charged-off accounts should no longer reflect a past-due balance. 
Relevant Laws : FCRA 609 ( a ) ( 1 ) : Information must be complete and accurate. Reporting a Past Due balance on a charged-off account is inaccurate. 
FDCPA 807 ( 2 ) ( A ) : Misrepresenting the character or status of a debt is prohibited, and listing the balance as past due is misleading. 

2. Contradictory Comments Between XXXX and Experian XXXX Comment : Charged off as bad debt ; account information disputed by consumer ; meets FCRA requirements. 
Experian Comment : Customer disputed account reported by subscriber ; unpaid balance reported as a loss by the credit grantor. 
Issue : These comments conflict with each other and fail to provide clear, consistent, and accurate information about the status of this account. 
Relevant Laws : FCRA 607 ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. 
FDCPA 809 ( b ) : Disputed debts must be validated and reported consistently. 

3. Inaccurate Two-Year Payment History Issue : The payment history reflects multiple C codes for Charge-Off across several months, yet no documentation has been provided to validate these entries. 
Relevant Laws : FCRA 611 ( a ) ( 1 ) ( A ) : Information must be verified, corrected, or deleted if it can not be substantiated. 
FDCPA 807 ( 10 ) : Reporting false or deceptive information about payment history is prohibited. 

4. Lack of Debt Validation Following Dispute Issue : Both bureaus list this account as disputed by the consumer, yet neither bureau has provided proper validation or supporting documentation. 
Relevant Laws : FDCPA 809 ( b ) : Upon dispute, the collector or furnisher must validate the debt by providing documentation, including the original creditors agreement and a breakdown of the balance. 
FCRA 609 ( e ) : Consumers are entitled to copies of all records related to the disputed account. 

5. Potential Reporting Beyond Statutory Limits Issue : The account was opened in XXXX, and the last payment activity was reported in XX/XX/XXXX. If the debt originated over seven years ago, it must be removed from my credit report. 
Relevant Laws : FCRA 605 ( a ) : Negative accounts must be removed after seven years from the date of the first delinquency. 

Requested Action I am formally requesting that XXXX and Experian : 1. Conduct a detailed investigation of the inaccuracies outlined above. 
2. Provide me with all documentation used to verify this account, including : Original signed contract with the creditor. 
Payment breakdown and validation of all reported balances. 
Evidence supporting the accuracy of the two-year payment history. 
3. Remove or correct any unverifiable, inconsistent, or inaccurate information as required by FCRA 611 ( Please complete this investigation and respond to me within the 30-day period required under FCRA 611 ( a ) ( 1 ) ( A ). If these errors are not resolved, I am prepared to escalate this matter.