Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information in My TransUnion and Experian Credit Report I am writing to formally dispute multiple inaccuracies on my credit report, which have led to adverse effects on my credit standing, including a denied application due to incorrect information. The report in question is dated XX/XX/XXXX, and contains errors that violate the Fair Credit Reporting Act ( FCRA ) due to outdated, misleading, or incorrect reporting. 

Issues in My Report : Serious Delinquencies Error : My credit report states that I have multiple serious delinquencies, but I only have one. The additional negative reporting is inaccurate and misleading. 
Paid Accounts Still Reflecting as Charge-Offs : Accounts that have been fully satisfied and paid are still reporting as Charge-Off ( C/O ) or Unknown ( X ). The remarks should be updated to reflect PPL ( Paid Profit & Loss ) to ensure accuracy. 
Incorrect Credit Utilization Reporting : My credit utilization is under 10 %, yet TransUnion continuously reports a high credit usage rate, which is factually incorrect and negatively impacts my score. 
Score Discrepancy : There is a XXXX discrepancy between what is reflected on MyFICO and other reporting systems and what TransUnion is providing to creditors. 
My TransUnion MyFICO Auto Score is XXXX, but creditors are receiving scores as low as XXXX or lower. 
Auto Loan Payment History Not Accurately Reported : I have been paying my auto loans on time since XX/XX/XXXX, yet my TransUnion Auto Score remains in the Poor range with incorrect delinquencies. 
Negative COVID-Related Impacts Still Reflecting : I have paid on a past charge-off post-COVID, yet it still reflects negatively, instead of showing active payments. 
Request for Resolution : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am requesting that you : Correct and update all inaccurate remarks and payment statuses to reflect paid accounts correctly. 
Update my credit utilization to reflect actual balances under 10 %. 
Ensure that my FICO Auto Score reflects my correct payment history. 
Remove the erroneous delinquencies and outdated charge-offs. 
Provide confirmation in writing that these corrections have been made. 
As required under the FCRA, I request an investigation and correction within 30 days. If you find that the information is accurate, I request detailed documentation showing the verification process. 

Enclosed are copies of my recent MyFICO score analysis, proof of payments, and my TransUnion report from XX/XX/XXXX, supporting my dispute. This is not the first time this is happened and I am tired of the corruption. The attached report was run on XX/XX/XXXX and has a date on Transunion of XX/XX/XXXX. 

Summary of Complaint : I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) after they failed to comply with my dispute requests, refused to reinvestigate, and ignored my request for written communication. 

On XX/XX/XXXX, I submitted a formal dispute to Experian regarding inaccurate charge-offs, late payments, and unauthorized inquiries on my credit report. My letter explicitly requested : A full reinvestigation of disputed items under FCRA 611 ( a ) ( 1 ) ( A ) A written response with findings and verification documentation under FCRA 611 ( a ) ( 6 ) That all communication be conducted via mail, NOT email under FCRA 609 ( a ) ( 1 ) Experians Failure to Comply : Despite my clear written request, Experian failed to meet their legal obligations in the following ways : Refused to disclose findings of their investigation ( FCRA 611 ( a ) ( 6 ) ) Experian did not provide any verification documents or details regarding how they investigated my dispute.

Refused to reinvestigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) Experian closed the dispute in 6 days, failing to conduct a proper reinvestigation as required by law.

Ignored my request for written communication and instead emailed me ( FCRA 609 ( a ) ( 1 ) ) Despite my clear demand that they only communicate via mail, Experian emailed their response, directly violating my rights under FCRA.

Failed to verify or delete inaccurate information ( FCRA 611 ( a ) ( 5 ) ( A ) ) Instead of deleting unverifiable and inaccurate information, Experian kept reporting the same errors, impacting my creditworthiness.

FCRA Violations Committed by Experian : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputed information properly FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate information FCRA 611 ( a ) ( 6 ) : Failure to provide a written explanation of their findings FCRA 609 ( a ) ( 1 ) : Failure to honor my request for written communication Harm Caused by Experians Violations : Due to Experians negligence and refusal to correct inaccuracies, I : Was wrongfully denied credit due to incorrect negative reporting.

Suffered financial hardship from artificially low credit scores.

Experienced stress and frustration from Experians failure to comply with federal law Experian is also reporting serious Delinquencies, high credit limit usage and poor payment history further preventing me from moving on. They have not updated C/O accounts as paid in the remark.