Product: Credit reporting or other personal consumer reports

Creditor Information : Name : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Account Details : Creditor Name : ATLCAPBKSELF Balance : {$0.00} Highest Balance : {$520.00} Account Type : Secured Loan Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Current Payment Status : Current Worst Payment Status : XXXX Days Late Remarks : Closed Payment History : XXXX XXXX of payments made on time ; includes late payments ( XX/XX/XXXX days ) Issue : I am disputing the reporting of the above-referenced account on my credit report due to potential inaccuracies and non-compliance with both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards XXXX Additionally, if this account was subject to debt collection or communication about the debt, I believe it may conflict with the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692c. 

Specific Issues with the Account Reporting : 1. Inconsistent Remarks and Payment Status : The account is marked as Closed with a {$0.00} balance, yet it also shows Current payment status and late payment records. These inconsistencies are confusing and may indicate improper reporting. 
XXXX XXXX compliance standards require account status, remarks, and payment history to be accurate and consistent, but this reporting does not align with the standards. 
2. Incomplete Payment History : The payment history table does not provide transparency for monthly reporting and fails to accurately reflect how the 64 % on-time payment figure was calculated. 
XXXX XXXX standards mandate accurate and detailed payment reporting for all months. 
3. Potential Violations of 15 USC 1692c : If this account was subject to collection efforts or communication by ATLCAPBKSELF or a third party, such communications must comply with 15 USC 1692c. Any failure to notify me of transfer, validate the debt, or adhere to lawful communication practices would call into question the legitimacy of the reporting. 
4. Potential FCRA Violations : The FCRA requires all information on credit reports to be accurate, verifiable, and up-to-date. The conflicting payment status, incomplete payment history, and unclear remarks suggest that this account may not meet these requirements. 

Requested Resolution : To resolve this issue fairly, I request the following actions : 1. Conduct a Thorough Investigation of the Account : Verify the accuracy of all account details, including payment history, account status, and remarks, ensuring compliance with XXXX XXXX standards. 
2. Provide Validation of the Account Details : Provide documentation to validate the accuracy of the account, including : A breakdown of payment history with specific dates of late payments. 
Confirmation of the accounts status ( e.g., Current or Closed ) and why both are reflected simultaneously. 
Evidence that the information reported is accurate, complete, and verifiable. 
3. Correct or Remove Inaccurate Information : If the account can not be validated or errors are found, I request immediate correction or removal of this account from all major credit bureaus ( XXXX, XXXX, XXXX ). 
4. Provide Written Confirmation of Resolution : Provide a written response detailing the results of your investigation and any actions taken to correct or remove the disputed information. 
5. Cease Further Communication if Unverifiable : If the account can not be validated, I request that XXXX and any third-party collectors cease all collection activity and ensure the account is no longer reported on my credit file, in compliance with 15 USC 1692c . 

Legal Basis for My Dispute : Fair Credit Reporting Act ( FCRA ) : Requires all information on credit reports to be accurate, complete, and verifiable. 
XXXX XXXX Compliance Standards : Mandate consistency and accuracy in the reporting of account status, payment history, and remarks. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from improper communication and reporting of debts by creditors and collectors. 

Thank you for your attention to this matter. I look forward to a resolution in compliance with federal law. If additional information is needed, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX