Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting Under FCRA, Metro 2 Compliance, and e-OSCAR Guidelines To Whom It May Concern, I am writing to formally dispute the inaccuracies and inconsistencies in my credit report regarding the account with XXXX XXXX ( Account # ending in XXXX ). These errors violate the Fair Credit Reporting Act ( FCRA ) and fail to meet Metro 2 reporting standards, resulting in significant harm to my credit profile. Below, I detail the specific violations and my requested corrective actions.

Discrepancies and Metro 2 Violations 1. Account Status Discrepancy : XXXX : Unknown Experian : Charge Off Metro 2 Violation : The Account Status ( Field Code 17A ) must accurately reflect the condition of the account across all bureaus. The inconsistency here indicates a violation of Metro 2 standards.

Requested Action : Update the account status to reflect accurate and consistent data. Provide verification records, including the original reporting documentation from the furnisher. 
2. Payment Status Inaccuracy : XXXX : Missed Payment Experian : Charged Off Metro 2 Violation : The Payment Rating ( Field Code 19 ) must match the current account status and reflect the appropriate terms. These discrepancies demonstrate non-compliance.

Requested Action : Revalidate the payment status and ensure consistency across all bureaus. Supply evidence of how each status was determined. 
3. Date Opened and Closed Errors : XXXX : Missing XXXX and Experian : XX/XX/XXXX ( Opened ) ; XX/XX/XXXX, and XX/XX/XXXX ( Closed ). 
Metro 2 Violation : The Date Opened ( Field Code 8 ) and Date Closed ( Field Code 25 ) must reflect accurate information. Missing and inconsistent data violates compliance guidelines.

Requested Action : Correct and unify the opened and closed dates across all bureaus. Provide the source documents verifying the reported dates.

4. Account Responsibility and Account Type Issues : Metro 2 Violation : The Account Responsibility ( Field Code 13 ) and Account Type ( Field Code 7 ) must correctly classify the account. Misreporting as Revolving instead of Closed Personal Loan misrepresents the account type.

Requested Action : Update these fields to accurately reflect the account type and responsibility classification.

Demand for Manual Investigation Under FCRA Under the FCRA Section 611 ( 15 U.S.C. 1681i ), I am entitled to a complete and thorough investigation of this dispute. Automated systems like e-OSCAR are insufficient to address the highlighted Metro 2 compliance issues. I demand : 1. A manual review of this account and all associated records.

2. Detailed documentation explaining the method of verification, including : Original account agreements. 
Payment history records from XXXX XXXX. 
Correspondence detailing previous updates to this account. 

e-OSCAR Dispute Code References To assist in your review, I reference the following e-OSCAR dispute codes : Dispute Code 001 : Data accuracy.

Dispute Code 003 : Incorrect balance or past-due amount.

Compliance Condition Code XC : Consumer disputes information.

Conclusion and Timeline This dispute requires immediate correction to avoid further harm to my credit. I request a written response within 30 days, as required by law, detailing : 1. The actions taken to resolve these discrepancies.

2. A full explanation of the investigation process.

3. Updated reports reflecting accurate and compliant data.

Failure to address these inaccuracies will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I have attached supporting documents, including my credit report and any related account records, to assist in your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX