Product: Credit reporting or other personal consumer reports

Formal Dispute and Request for Investigation and Deletion of XXXX XXXX Charge-Off Account Dear Transunion, I am disputing the accuracy and validity of the following charge-off account reported by XXXX XXXX XXXX on my credit report. This account contains inaccuracies, exhibits signs of re-aging, and violates federal and state laws, including the Fair Credit Reporting Act ( FCRA ), Arkansas statutes of limitations, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 

Account XXXX XXXX XXXX : XXXX XXXX XXXX. 

Original Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} Pay Status : >Charge-Off< Legal and Factual Issues XXXX. Re-Aging of the Account The account appears to have been updated as recently as XX/XX/XXXX, despite the original delinquency occurring much earlier. Under FCRA ( 15 U.S.C. 1681c ( a ) ( XXXX ) ), the XXXX-year reporting period begins from the date of the first delinquency that led to the charge-off. Updating the account to show more recent activity constitutes re-aging, which unlawfully extends the reporting period and misrepresents the debts status. 

XXXX. Violation of XXXX  Statutes of Limitations XXXX XXXX XXXXXXXX XXXX establishes a XXXX-year statute of limitations for open accounts, including collection accounts like this one. The clock begins from the date of the last payment or the date the account went delinquent. Since this account is beyond the enforceable period, it is considered time-barred and can not be legally collected. Reporting this debt in a way that misrepresents its enforceability is deceptive and violates both state law and consumer protection guidelines. 

XXXX. FCRA Violations The FCRA mandates that credit reporting agencies ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). The inaccuracies in this accounts reporting, including balance discrepancies, dates, and pay status, are materially misleading and harm my credit profile. 

XXXX. CFPB XXXX on XXXX XXXX XXXX CFPB XXXX, the continued reporting of time-barred debts must not mislead consumers or creditors. Collection agencies and credit reporting agencies are prohibited from re-aging debts or misrepresenting the enforceability of such accounts. The reporting of this account violates these principles. 

XXXX. Relevant Case Law Supporting Removal XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Reporting inaccuracies harm consumers and violate statutory protections. 

XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ) : Reinforces the obligation to investigate and remove disputed accounts. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Incorrect or incomplete reporting warrants deletion of the account. 


Requested Remedy I kindly request the following actions : XXXX. XXXX Deletion of the XXXX XXXX Account : Due to the re-aging, inaccuracies, and legal violations outlined above, this account should be permanently removed from my credit report. 


XXXX. Verification of the Account : If XXXX XXXX XXXX believes this account is valid, I request the following documentation : Proof of the original date of delinquency. 

Evidence demonstrating compliance with XXXX  statute of limitations and federal laws. 



XXXX. Correction or Suppression During XXXX : Suppress the account from being reported on my credit file during the dispute process to prevent further damage to my creditworthiness. 



Next Steps Under the FCRA, you are required to investigate and respond to this dispute within XXXX  days. If this account is not removed or corrected, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ). I also reserve the right to pursue legal remedies if necessary. 

Please confirm receipt of this letter and provide a detailed response to the address listed above. Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX