Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, Apartment # XXXX - XXXX XXXX, New Jersey - XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccuracies and Violations of Rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information reported on my credit file. After a thorough review of my credit reports from XXXX, XXXX, and XXXX, I found numerous discrepancies and errors that are in violation of federal laws, particularly the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These discrepancies have negatively impacted my XXXX XXXX and my financial standing. I am requesting immediate correction or removal of this information based on the following laws : Legal Grounds for Dispute : 1. 15 U.S. Code 1692f Unfair Practices The reporting and collection practices concerning certain accounts are unfair and violate this statute. The discrepancies listed below show inconsistent, inaccurate, and harmful practices that must be addressed.

2. 15 U.S. Code 1692c Communication in Connection with Debt Collection I have not given written or verbal consent for certain accounts and collections to be reported or acted upon. These activities have been conducted without my permission, and this constitutes a violation of my rights.

3. 15 U.S. Code 1681 Congressional Findings and Statement of Purpose The errors and inconsistencies on my credit report do not align with the Congressional intent of the FCRA, which aims to ensure the accuracy and fairness of consumer credit reporting. These violations must be corrected or removed immediately.

4. 15 U.S. Code 1681s2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers of inaccurate information have failed in their legal obligation to ensure the accuracy and completeness of the data they provide. Inaccuracies must be corrected or removed in accordance with this statute. 

XXXX. XXXX XXXX Code XXXX Congressional Findings and Declaration of Purpose The Truth in Lending Acts purpose of ensuring fair and accurate reporting is being undermined by the discrepancies and errors found in my credit reports. 

- XXXX Accounts with Discrepancies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpancies** : - **Balance** : XXXX reports a balance of {$1100.00} XXXX while XXXX reports the same, but the XXXX of past payments and balances is inconsistent. 
- **Charge-Off Date** : The charge-off is reported differently between bureaus. XXXX lists the charge-off in XX/XX/XXXX, whereas XXXX states XX/XX/XXXX. 
- **Past Due Amount** : There is no agreement between the bureaus on the past due amount timeline. XXXX shows significant jumps in past due balances that dont align with XXXX XXXX 
Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : ( Partially Redacted ) XXXX Reported Status : Charge-off Reported Balance : {$1100.00} Discrepancies : Date of First Delinquency : Inconsistently reported between XX/XX/XXXX and XX/XX/XXXX across XXXX and XXXX. 
Removal Date : Inconsistently reported as XX/XX/XXXX in XXXX and no removal date provided in XXXX. 
Payment History : Inconsistent delinquency history reporting between XXXX and XXXX, with discrepancies in XXXX reporting ( XXXX lists XX/XX/XXXX as OK, but XXXX reports delinquencies starting from XX/XX/XXXX ). 
Credit Limit : TXXXX lists a credit limit of {$700.00}, while XXXX does not consistently display this information. 
XXXX Demands : I demand the removal of this charge-off if these discrepancies can not be resolved within 30 days. 

XXXX. XXXX XXXX XXXX  XXXX ( Account # XXXX ) - **Date Opened** : XX/XX/XXXX - **Discrepancies** : - **Balance** : XXXX reports a balance of {$3200.00} XXXX while XXXX also reports {$3200.00}. However, the dates of last activity and payment history are inconsistent across all three bureaus. 
- **Charge-Off Date** : The date of the charge-off is inconsistent. XXXX shows the charge-off in XX/XX/XXXX, whereas XXXX reports XXXX in XX/XX/XXXX. XXXX does not match either of these dates. 
- **Payment History** : The reported late payments and their severity ( 30 days, 60 days, 120 days late ) differ between XXXX and XXXX. This discrepancy violates the standard of accurate reporting. 
Account XXXX : XXXX XXXX XXXX  XXXX ( Account # XXXX ) Reported Balance : {$590.00} Reported Status : Charge-off Discrepancies : Charge-off Date : XXXX reports the charge-off XXXX as XX/XX/XXXX, whereas XXXX reports XX/XX/XXXX. This inconsistency needs correction. 
Date Closed : XXXX reports the account closed as of XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Last Payment Made : XXXX reports the last payment as XX/XX/XXXX, but XXXX does not consistently display a date for the last payment. 
XXXX XXXX XXXX : XXXX reports the past due amount as {$590.00} in XXXX, but XXXX lists inconsistent amounts throughout XXXX and XXXX. 
XXXX Demands : These discrepancies show that the account information has not been properly maintained. I demand that the entire account be removed if proper corrections can not be made. 

XXXX. XXXX XXXX Bank XXXX ( Account # XXXX ) - **Date Opened** : XX/XX/XXXX - **Discrepancies** : - **Balance** : The balance is reported as {$590.00} in both XXXX and XXXX, but the date of the last payment differs. XXXX reports a payment in XX/XX/XXXX, while XXXX lists the last payment as occurring in XX/XX/XXXX. 
- **Charge-Off Reporting** : XXXX reports a charge-off XXXX XX/XX/XXXX, while XXXX states XX/XX/XXXX. 
- **Credit Limit** : The credit limit for this account is inconsistently reported between XXXX ( {$400.00} ) and XXXX, which also lists {$400.00} but with inconsistent updates. 
Account XXXX : XXXX XXXX XXXX  XXXX ( Account # XXXX ) Reported Balance : {$3200.00} Reported Status : Charge-off Discrepancies : Balance Reporting : Both XXXX and XXXX report XXXX balances for different months in XXXX ( XXXX lists {$3100.00} in XX/XX/XXXX, whereas XXXX lists {$3200.00} for the same month ). This discrepancy must be corrected. 
Date Closed : XXXX reports the account as closed in XX/XX/XXXX, while XXXX reports the closure in XX/XX/XXXX. 
Last Payment Made : XXXX lists the last payment date as XX/XX/XXXX, but this date is not consistently listed across other reports. XXXX has no clear record of this. 
Charge-off Date : XXXX lists XX/XX/XXXX as the charge-off month, while XXXX lists XX/XX/XXXX XXXX This inconsistency needs to be addressed immediately. 
XXXX Demands : I demand a full investigation and removal of this account if the information can not be accurately verified. 


Other Issues : Additional Concerns : Personal Information and Inquiries Personal Information : Formerly Known As : All three, XXXX, XXXX and XXXX incorrectly report my name as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' when my legal name is XXXX XXXX. This inconsistency must be corrected. 


Address History : XXXX reports my current address incorrectly as XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ. XXXX reports XXXX that are all incorrect and XXXX is incorrect as well. My correct address is XXXX XXXX XXXX Apartment # XXXX, XXXX XXXX, NJ, and it is not correctly posted on either account. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : Unverified Inquiries : Inquiries from Credit Karma and other promotional inquiries are listed on both XXXX and XXXX reports. However, I have never authorized any promotional inquiries or soft pulls from these entities. This is a clear violation of 15 U.S. Code 1681 Congressional Findings and Statement of Purpose. Any inquiries without my explicit consent must be removed from my report immediately. 
Legal Violations and Demands for Correction or Removal - **Inquiries** : I did not provide consent for some of the hard inquiries listed on my credit report. These inquiries violate **15 U.S. Code 1681b Permissible Purposes of Consumer Reports**, as I did not authorize these companies to access my credit report. These unauthorized inquiries must be removed.

Summary of Discrepancies : - **Balances** : Reported balances differ between credit reporting agencies, despite representing the same accounts.

- **Payment History** : Late payments and charge-off dates differ from one report to the next. This lack of consistency violates the legal requirement for accuracy in reporting. 
- XXXX XXXX XXXX : The bureaus report conflicting information regarding the amounts past due for the same accounts, with significant discrepancies in timing and amounts. 
- **Charge-Off Dates** : These dates vary between the bureaus, with no consistency. By law, these must be uniform across all credit reporting agencies. 

Requested Action : In accordance with federal law, I request the following : XXXX. XXXX XXXX : XXXX a full investigation of the discrepancies listed above. 
XXXX. **Correction or Removal** : Correct any inaccurate, incomplete, or unverifiable information immediately. If it can not be verified, the erroneous information must be removed from my credit report. 
XXXX. **Written Confirmation** : I expect written confirmation within 30 days that the items have been investigated, corrected, or removed as required by law. 

Failure to comply with my request XXXX lead to further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering a formal lawsuit for violations of my consumer rights. 

I expect your response within the legally mandated time frame of 30 days. Please send all correspondence to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX