Product: Credit reporting or other personal consumer reports

Subject : XXXX  Round Dispute Reinvestigation Request and Notice of Intent to Sue for Willful Non-Compliance To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXX  on my credit report. This is my XXXX  dispute regarding this account, XXXX, which remains inaccurately reported on my credit report. Despite previous reinvestigation requests, the erroneous information persists. 

In accordance with XXXX XXXX standards and pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I am entitled to accurate and complete reporting of my credit information. The continuous reporting of inaccurate information by XXXX XXXX XXXX  is a clear violation of FCRA 623, which mandates furnishers of information to provide accurate data to consumer reporting agencies. 

**Account Details ( XXXX Report ) : ** - **Creditor : ** XXXX XXXX XXXX  XXXX XXXXAccount Number : ** XXXX - **Account Type : ** Secured Loan - **Date Opened : ** XX/XX/XXXX - **Original Balance : ** {$10000.00} - **Current Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX **XXXX  Payment History Inaccuracies : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late **Account Details ( XXXX Report ) : ** - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - XXXXBalance XXXX XXXX {$0.00} - **Account Status : ** Paid, Closed - **Highest Balance : ** {$10000.00} - **Date Opened : ** XX/XX/XXXX - **Term : ** XXXX  months - **Last Payment Date : ** XX/XX/XXXX - **Current Payment Status : ** XXXX Days Late - **Worst Payment Status : ** XXXX Days Late - **Times XX/XX/XXXX Days Late : ** XXXX XXXXAccount Details ( TransUnion Report ) : ** - **Creditor : ** XXXX XXXX XXXX  XXXX - **Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} - **Account Status : ** Closed - **Highest Balance : ** {$10000.00} - **Date Opened : ** XX/XX/XXXX - **Term : ** XXXX  months - **Last Payment Date : ** XX/XX/XXXX - **Current Payment Status : ** XXXX Days Late - **Worst Payment Status : ** XXXX Days Late - **Times XX/XX/XXXX Days Late : ** XXXX **Discrepancies : ** XXXX. **XXXX  Report : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late XXXX. XXXX Report : ** - XXXX instance of being XXXX days late. 
- XXXX claims I have made XXXX  % of payments on time, conflicting with the number of reported late payments. 
- Different last payment date ( XXXX : XX/XX/XXXX vs. XXXX : XX/XX/XXXX ). 

XXXX. XXXXTransUnion Report : ** - Current Payment Status : XXXX days late. 
- Last Payment Date : XX/XX/XXXX. 
- Payment History : XXXX  % on-time payments, conflicting with other reports. 
- Different status and times XX/XX/XXXX days late reported ( XXXX ). 

These discrepancies indicate that the information reported by XXXX XXXX XXXX  is inaccurate and inconsistent across different credit reporting agencies. This misreporting has adversely affected my credit score and If XXXX XXXX XXXX  fails to comply with this request, I am prepared to take legal action for willful non-compliance under FCRA 616 and 617, which provide for civil liability for willful and negligent noncompliance, respectively.