Product: Credit reporting or other personal consumer reports

This Notice of Dispute ( NOD ) is being submitted regarding inaccuracies identified in the reporting of accounts on my credit file. These discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Billing Errors Act, which are outlined in this document.

Basis of Dispute Congressional Findings of the FCRA Under 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate credit reporting. The reported inaccuracies undermine this principle, and their continuation is a clear violation of consumer protection laws.

Violations of the FCRA Under 15 USC 1681s-2, the following obligations are imposed on information furnishers : ( A ) Prohibition against furnishing inaccurate information : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate.

Violations of the Billing Errors Act Under 15 USC 1666 ( a ), a creditor must correct billing errors. The violations include : Failure to provide accurate account details.

Failure to investigate and resolve discrepancies within the statutory time frame.

Failure to report corrections to credit reporting agencies.

Relevant Case Law Several federal cases highlight successful litigation by consumers under the Billing Errors Act, including : Gray v. American Express Co., 743 F.2d 10 ( D.C. Cir. 1984 ) : This case involved a consumer disputing billing errors under 15 USC 1666. The court ruled in favor of the consumer, holding that the creditor failed to comply with the act 's requirements for investigating and resolving disputes.

Fischl v. General Motors Acceptance Corp., 708 F.2d 143 ( 5th Cir. 1983 ) : The court found that GMAC violated the Billing Errors Act by not adequately addressing billing disputes raised by the consumer, resulting in damages awarded to the plaintiff.

Hancock v. American Express Co., 347 F. Supp. 3d 1374 ( N.D. Ga. 2018 ) : In this case, the court upheld claims of violations of the Billing Errors Act and awarded statutory damages for the creditor 's failure to investigate and rectify billing inaccuracies in a timely manner.

These cases demonstrate that courts take violations of the Billing Errors Act seriously and often side with consumers when creditors fail to meet their statutory obligations.

Accounts in Dispute and Discrepancies 1. XXXX Account Number : XXXX Discrepancies : Equifax omits the last payment details, while XXXX reports a last payment of {$3.00} on XX/XX/XXXX. 

Payment history inconsistencies regarding delinquency reporting. 

2. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Discrepancies : None identified; included to ensure accurate reporting continues. 

3. XXXX XXXX Account Numbers : Multiple ( XXXX, XXXX ) Discrepancies : No discrepancies in amounts owed or payment history, but these accounts are included for continued monitoring. 

4. XXXX XXXX Account Numbers : XXXX, XXXX Discrepancies : Equifax and XXXX report consistent amounts and delinquency dates. No resolution steps for prior delinquency have been noted. 

5. XXXX XXXX XXXX XXXX ( Collection Account ) Account Number : XXXX Discrepancies : No discrepancies identified. Included to ensure that collection activity is accurately ceased and updated as paid or resolved. 

6. XXXX XXXX XXXXXXXX Account Number : XXXX Discrepancies : No discrepancies identified. Account included for monitoring and potential reconciliation of charge-off activity. 

7. XXXX XXXX XXXXXXXX Account Number : XXXX Discrepancies : Equifax and XXXX report consistent delinquency details, but continued monitoring is required to ensure accurate resolution of past due amounts. 

Requested Resolution Immediate Investigation and Correction : Investigate the discrepancies outlined above. 

Correct any inaccurate information, including amounts owed, dates of first delinquency, and payment history. 

Update all credit reporting agencies to reflect accurate information. 

Cease Reporting Inaccurate Information : Stop furnishing inaccurate or incomplete data to any consumer reporting agency.