Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate and Inconsistent Credit Report Information To Whom It May Concern, This is a formal dispute regarding XXXX XXXX Credit Card ( Account Number : XXXX ). Despite my REAPTED attempts to resolve these issues, including multiple prior disputes, the inaccuracies and inconsistencies in my credit file persist. This ongoing failure to address my concerns is not only unacceptable but also a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Let me be very clear : I am demanding an immediate and thorough reinvestigation into these inaccuracies, along with a complete resolution. Your continued negligence has caused unnecessary harm to my creditworthiness, and I will escalate this matter further if these errors are not resolved in a timely and lawful manner. 

Account Information Disputed : Creditor : XXXX XXXX Credit Card Account Type : Revolving Credit Specific Inaccuracies with FCRA Violations : 1. Date Opened : XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
These conflicting dates demonstrate a failure to ensure accuracy and violate FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in their data. 
2. Credit Limit XXXX XXXX reports a credit limit of {$2000.00}, while Equifax reports {$0.00}. 
This inconsistency materially affects my credit utilization ratio and violates FCRA 607 ( b ). Failing to reconcile these figures after multiple disputes is unacceptable and negligent. 
XXXX. Date Last Reported : XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX, a future date that is invalid and clearly fabricated. 
Reporting future dates demonstrates your failure to verify information and violates FCRA 611 ( a ) ( 1 ), which mandates proper reinvestigation of disputed items. 
4. Account Comments : XXXX states : Charged off as bad debt ; Account information disputed by consumer, meets FCRA requirements. 
Equifax states : Consumer disputes this account information ; Charged off. 
The inconsistent and incomplete handling of my dispute violates FCRA 611 ( c ), which requires credit bureaus to clearly and uniformly indicate that the account is under dispute in all reports. 
5. Date of Last Payment : XXXX reports the last payment as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
This failure to reconcile payment dates violates FCRA 607 ( b ), further undermining the reliability of your reporting. 
XXXX. Payment History : The two-year payment history is inconsistent between XXXX and Equifax. 
This violates FCRA 611 ( a ), as it shows a repeated failure to reconcile conflicting information across your reports. 

My Previous Attempts and Demand for Resolution : I have made several attempts to correct these inaccuracies, and yet they remain unresolved. This ongoing negligence is a blatant disregard for your obligations under the FCRA. I demand immediate action to : 1. Reinvestigate all inaccuracies listed above, as required by FCRA 611 ( a ) ( 1 ). 
2. Verify the information with XXXX XXXX Credit Card or the original furnisher of data, and provide me with evidence of such verification. 
XXXX. Remove or correct all unverifiable, inaccurate, or incomplete information, per FCRA 611 ( a ) ( 5 ) ( A ).

4. Provide a written explanation of your investigation results and the actions taken, as required by FCRA 611 ( a ) ( 6 ) ( B ). 

If you fail to correct these inaccuracies within the required 30-day period, as stipulated by FCRA 611 ( a ) ( 1 ), I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Seek legal remedies for damages caused by your non-compliance, including emotional distress and financial harm under FCRA 616 and 617. 

Your repeated negligence in handling my dispute has caused harm to my credit standing and financial reputation. I demand your immediate compliance with the law to avoid further escalation. 

Thank you for your urgent attention to this matter. Please provide all correspondence in writing to the address below.