Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Subject : Formal Dispute of Erroneous Account Reporting Dear Experian, I am writing to dispute the reporting of an account on my credit file with XXXX XXXXXXXX XXXX XXXX I believe there are several inaccuracies in the information provided, and I would like to highlight these discrepancies. 

# # # Account Details- Account Name : XXXX XXXX XXXX  - Account Number : XXXX - Account Type : XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Status : Account charged off. {$32.00} written off. {$120.00} past due as of XX/XX/XXXX. 
- Balance : {$320.00} - Balance Updated : XX/XX/XXXX # # # Disputed Errors I have identified several discrepancies that raise serious concerns about the accuracy of this account, which may violate the Fair Credit Reporting Act ( FCRA ) : 1. Charge Off Amount vs. Written Off Amount : The report indicates that the account was charged off, stating that {$320.00} was written off, but it also shows {$32.00} written off. This inconsistency creates confusion regarding the actual amount that has been charged off.

2. Balance and Written Off Amount : If {$320.00} has been written off, I expect the balance to reflect {$0.00}. However, the report shows a balance of {$320.00} alongside a charge-off status, which contradicts standard reporting practices.

3. Past Due Amount : The account states that {$120.00} is past due as of XX/XX/XXXX, which does not align with the charge-off status. A charged-off account should not show a past due amount ; it should indicate that the debt is no longer collectible.

4. Balance Confusion : The report indicates a balance of {$320.00} while also stating that the account is charged off. This raises questions about the accuracy of the information since charged-off accounts should typically have a zero balance.

5. Missing Payment Information : The report does not provide a recent payment date, nor does it clarify how many payments have been made since the account was opened. This lack of information affects my understanding of the account 's activity.

6. Credit Limit : The report lists a credit limit of {$2500.00} but does not explain how this relates to the reported balance and charge-off, leading to further confusion.

7. Monthly Payment : The report states a monthly payment of {$12.00}, which seems irrelevant to a charged-off account. This inconsistency raises concerns about the accuracy of the reporting. 

XXXX. XXXX XXXX : The contact number provided appears to have a typo ( listed as XXXX ) XXXX ), which is unclear and may hinder proper communication regarding the account.

9. Inconsistent Status Updates : The report shows an updated status date but does not clarify whether this reflects the last payment, status change, or another action, making it difficult for me to understand the accounts current state.

# # # Requested Resolution To resolve this matter, I request the following actions : 1. Please conduct a full investigation into the reporting of this account to ensure its accuracy.

2. Correct or delete the account from my credit file if it can not be verified as accurate and compliant with FCRA standards.

3. I would appreciate written confirmation of the actions taken regarding this dispute.

# # # Supporting Evidence I am prepared to provide any relevant documentation that may assist in this investigation. Please feel free to contact me at the phone number or email address listed above if you need additional information.

# # # Closing Remarks I expect prompt action to investigate and resolve this matter as required under the FCRA. If this issue is not resolved in a timely manner, I may have to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Thank you for your attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA. 

Sincerely, XXXX XXXX XXXX