Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TransUnion Credit Bureau XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Credit Report ItemsFile Number : [ Insert Your File Number from Credit Report ] Dear TransUnion Representative, Under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), I am formally disputing the accuracy and validity of certain items listed on my credit report dated [ XX/XX/year> ]. Please find below the details of the accounts, personal information, and other items that I am contesting for removal based on their inaccurate, incomplete, or unverifiable status : Disputed Items : [ Account Name : XXXX XXXX XXXX  XXXX, Account Number : XXXX ] **Reason : This account is marked as " Paid, Closed ; was 60 days past due. '' I request verification of this claim, including original documentation. If no verification can be provided, please remove this entry immediately. 

[ Account Name : XXXX XXXX, Account Number : XXXX ] **Reason : The account status shows " Charge-off. '' Kindly provide original documentation verifying the debts legitimacy, full accounting details, and evidence of compliance with FCRA and UCC standards. If unverifiable, this item must be deleted. 

[ Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX ] **Reason : This account indicates a " Charge-off '' with discrepancies in payment history. I request validation, including payment records and agreements, to justify this entry. 

[ Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX ] **Reason : This entry lists " Collection '' for {$1500.00}. As per FCRA 611 ( a ), all disputed items must be thoroughly investigated, with results reported back to me. 

[ Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX ] **Reason : Collection amount of {$4000.00} attributed to XXXX XXXX XXXXXXXX XXXX XXXX signed agreements and proof of obligation is requested. 

All Closed Accounts : Reason : I request the removal of all closed accounts listed on my credit report. As these accounts are no longer active, their presence serves no purpose and may negatively impact my credit profile. 

All Inquiries : Reason : I request the removal of all hard and soft inquiries from my credit report that do not have a permissible purpose or lack proper authorization. 

Correction of Personal Information : Incorrect Name Variations : Please remove any inaccurate or outdated name variations, including but not limited to : Old Addresses : Remove all outdated or incorrect addresses, including but not limited to : Outdated Phone Numbers : Remove any outdated or incorrect phone numbers, including but not limited to : Requested Action : For each item, I demand : Verification of the debt as per FCRA guidelines. 

Immediate removal if unverifiable or inaccurate.

Written confirmation of corrections to my report.

Legal Basis : Under 15 U.S. Code 1681i, TransUnion is required to conduct a reasonable investigation and respond to this dispute within 30 days. Additionally, under UCC Article 9, I reserve my rights to challenge any unsecured or improperly documented obligations. 

Supporting Documents : A copy of my credit report with disputed items highlighted. 





Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX