Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate and Misleading Credit Report Information Dear CFPB, I am writing to dispute several inaccuracies on my credit report and to request the removal of negative items that I believe are not being reported in compliance with federal laws. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX along with associated derogatory items such as late payments, repossessions, charge-offs, and collections. 

Below, I outline the specific issues and the applicable legal references supporting my dispute : XXXX. Deletion of Charge-Offs Accounts : XXXX XXXX and XXXX XXXX XXXX The Charged Off status on these accounts is inaccurate and detrimental to my creditworthiness. 

Under 15 U.S. Code 1635, I have the right to rescind certain transactions when the creditor fails to comply with disclosure requirements, which could include misreporting of account statuses.

15 U.S. Code 1692g requires creditors to validate the debt. Since I have not received validation for these charge-offs, I request their immediate removal. 

XXXX. Deletion of Repossession Records Accounts : XXXX XXXX and XXXX XXXX XXXX My accounts were incorrectly marked as In Repossession without proper documentation or validation. 

Under 15 U.S. Code 1681b ( a ) ( 2 ), only permissible purposes should govern how my credit information is used or reported. The current reporting lacks proper validation or legal grounds.

I demand the removal of all repossession records from my credit report. 

XXXX. Deletion of Late Payments Accounts : XXXX XXXX and XXXX XXXX XXXX The late payment information reported on these accounts is inaccurate and inconsistent. 

Under 15 U.S. Code 1681 ( 2Xi ), credit reporting must meet standards of accuracy and fairness.

15 U.S. Code 1666b states that payments received before the due date must be treated as timely. Without clear proof of late payments, I request their deletion.

4. Deletion of Collections Accounts : Any accounts with reported collections The collection accounts are inaccurate and should not appear on my credit report.

15 U.S. Code 1692c prohibits certain communications regarding debts without consumer consent.

15 U.S. Code 1692g requires debt validation before any collection activity.

15 U.S. Code 1681e ( b ) requires credit reporting agencies to ensure maximum accuracy.

Additionally, under 12 CFR 1026.13 ( Billing Error Resolution ), I have the right to dispute billing errors, including misapplied or incorrect charges leading to collections. I request the removal of all reported collections.

Request for Investigation and Immediate Action 1. Validation : Provide all documentation supporting the reported statuses of these accounts, including charge-offs, repossessions, late payments, and collections. 

XXXX. Deletion : Remove all inaccurate or unverifiable information from my credit report, including the specified charge-offs, repossessions, late payments, and collections. 

XXXX. Correction : Update my credit report to reflect only accurate, validated information. 

I ask that the CFPB ensure compliance with the above-referenced laws during the investigation and communicate the outcome of this dispute directly to me. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue and improving the accuracy of my credit report. 

Sincerely, XXXX XXXX