Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, misleading, and potentially unlawful reporting regarding my XXXX  XXXX account that is being furnished to Experian XXXX in XXXX Upon reviewing my credit report, I have identified **multiple violations and inconsistencies** under the Fair Credit Reporting Act ( FCRA ), which require immediate correction. Identified Violations and Inaccuracies 1. **Reporting Incorrect Status with Past Due Balance and Charge-Off** : - The report reflects that the account has been charged off and closed. However, it simultaneously lists a **past due amount** of ** $ XXXX as of XXXX XXXX. - A charged-off account indicates that the creditor has written off the debt as uncollectible. Per FCRA guidelines, any charged-off balance can not remain reported as past due, as this misrepresents the current status of the debt. XXXX. **Future-Dated Entries** : - The report reflects contradictory **future dates** ( e.g., Status Updated : XX/XX/year>, Balance Updated : XX/XX/year> ). These dates are impossible because this report was generated in XXXX XXXX. Reporting future activity is inaccurate, misleading, and violates the FCRAs requirement for fair and accurate reporting. 3. **Credit Usage at 118 % ** : - The report states that my credit usage is **118 % **, which is mathematically incorrect because the credit limit is reported as ** $ XXXX while the current balance is ** $ XXXX. This reflects inaccuracies in balance calculation or credit usage reporting. 4. **Ambiguity in Comments and Dispute Resolution** : - The comments indicate the account was previously in dispute investigation complete. However, no documentation or outcome of the investigation was provided to me, violating my right to a proper investigation under FCRA Section 611. 5. **Multiple Reporting Violations** : - **Incorrect Balance Reporting** : The balance and credit usage appear overstated. - **Duplicate Reporting** : The account balance and past due amount seem to be inconsistently reported across sections. Additional Violations in Payment History Reporting 1. **Future-Dated Late Payments** : - The payment history shows **late payments for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XXXX XXXX. As of todays date in XX/XX/year>, these months have not yet occurred, and future payments can not be accurately reported as late. This constitutes **false and inaccurate reporting** and is a clear violation of FCRA Section 607 ( b ), which mandates maximum possible accuracy. 2. **Inconsistent Reporting with Past Account Status** : - The account has already been charged off and closed as reflected earlier in the report. A charged-off account should not reflect **ongoing monthly late payments**, as the creditor is no longer expecting regular payments. Reporting multiple late payments after the charge-off date is both redundant and misleading. 3. **Adverse Impact on Creditworthiness** : - These inaccuracies in payment history significantly harm my creditworthiness by misrepresenting my financial behavior and account status. Legal Basis for Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : - **Section 611** requires that disputed information must be investigated and corrected within 30 days. - **Section 607 ( b ) ** requires maximum possible accuracy of information furnished. - **Section 623 ( a ) ( 1 ) ( B ) ** prohibits furnishers from reporting inaccurate or unverifiable information. - **Section 605 ( a ) ( 5 ) ** prohibits re-aging or reporting obsolete information. The inaccuracies on this report violate these provisions and misrepresent my creditworthiness, causing harm. Requested Action I demand the following : 1. **Immediate investigation** into the inaccurate reporting under FCRA guidelines XXXX 2. **Removal of the account and of the following : - The past due status and amount, as the account is charged off. - Any future-dated entries, as they are impossible and misleading. - The overstated credit usage percentage and balance inconsistencies. - Inaccurate payment history reporting for future months and redundant late payments post-charge-off. 3. **Documentation** of the investigation results and verification of all corrected information. Failure to Comply If you fail to address these inaccuracies within the 30-day timeframe required by law, I will escalate this matter with the Consumer Financial Protection Bureau XXXX CFPB ) and explore all available legal remedies under the FCRA. I have enclosed a copy of the credit report, including the **payment history**, for your reference. Please respond to this dispute promptly.