Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Account Reporting under FCRA and TILA Account Name : XXXX XXXX XXXX XXXX ( Installment & Revolving ) Account Numbers : XXXX ( Installment ), XXXX  ( Revolving ) Balances : {$3500.00} ( Installment ), {$9700.00} ( Revolving ) Closed Date : XX/XX/XXXX ( Installment - XXXX  ), XX/XX/XXXX ( Revolving - XXXX ) Dear Sir/Madam, I am writing to formally dispute the reporting of two accounts under my credit profile from XXXX XXXX XXXX XXXX XXXX XXXX ). These accounts one Installment and one Revolving are inaccurately reflected in my credit report across all three major credit bureaus, and I request their immediate removal due to erroneous and unverifiable information. 

Account Details : XXXX XXXX XXXX ( Installment ) Last Updated : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( XXXX, XXXX ) Payment Status : Charged off as bad debt ( XXXX ), Unpaid balance reported as a loss ( XXXX ) Balance : {$3500.00} ( XXXX & XXXX ) High Balance : {$5000.00} Worst Delinquency : Charge Off/Other Derogatory ( XXXX ) XXXX XXXX  XXXX ( Revolving ) Last Updated : XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( XXXX, XXXX ) Payment Status : Charged off as bad debt ( XXXX & XXXX ) Balance : {$9700.00} ( XXXX & XXXX ) Credit Utilization : 102 % ( Equifax ) XXXX 103 % ( XXXX & XXXX ) High Balance : {$9700.00} Legal Basis for Dispute : 1. FCRA Violations - Inaccurate Reporting ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. The details provided in these accounts are incorrect, including discrepancies in payment status, balances, and closed dates. Reporting this inaccurate information violates my rights under the FCRA. 

2. TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : The Truth in Lending Act ( TILA ) defines a creditor as an entity that extends credit and to whom a debt is owed. As I have not incurred debt with XXXX XXXX XXXX XXXX, their reporting of these accounts under my name is not compliant with TILA 's definition of a creditor. Therefore, these accounts should not appear on my credit report. 

Actions Requested : Immediate Removal of Accounts : I request that both the Installment and Revolving accounts with XXXX XXXX XXXX XXXX be thoroughly investigated and immediately removed from my credit report, as the reporting is inaccurate and violates both the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once these accounts have been removed from my credit report. I expect this investigation and resolution to be completed within 30 days as required by FCRA. 

Failure to resolve this matter within the stipulated timeframe will result in further actions to enforce my rights under federal law. 

Thank you for your prompt attention to this dispute. I look forward to your confirmation of the removal of these inaccurate and fraudulent accounts. 

Sincerely, XXXX XXXX XXXX