XXXX XXXX, XXXX ( This letter describes in detail what has happened with this account. ) RE : AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) RE : XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) RE : XXXX Dispute File Number : XXXX Dear Sir or Madam : To : XXXX, XXXX AND XXXX CREDIT REPORTS & AVANT CREDIT ; I am a victim of illegal, fraudulent activity by Creditor, " AVANT, '' ACCOUNT # XXXX. I write to dispute the information in my credit report files which are the results of AVANT CREDIT 'S illegal reporting! I have repeatedly disputed this account and have submitted all the documents that show that this Creditor has conducted themselves in an unethical, unprofessional and illegal business monetary manner, for being a lending company! 
This account is a, ( SETTELED LOAN ACCOUNT ), but the relationship with me has not been correct and I tried very hard to reach out to this creditor repeatedly as you will see in my documents but my efforts remained, unanswered! I am using some of, " My XXXX Credit Report 's Records showing this account I am disputing plus the Contracts. Please note that any reporting transactions that were ever made after I, " Settled with, " AVANT CREDIT was fully AVANT CREDIT 'S actions! '' Nor did I authorized or condone " AVANT CREDIT 'S illegal standard of conducting business for ; " Again, being a, " Loan Company! '' AVANT CREDIT, continued to charge me as if the account was still, " OPEN '' and thus the payments continued causing even more, " Late Payments, '' as I did have some late payments on this account but when we settled had they done everything correctly it would have stood but at this point, it is clear that AVANT CREDIT, violated their own contract! '' According to all of the documents I saved this is what I am seeing and AVANT CREDIT still is ignoring the fact that they surpassed the legal disputing dates, and this is not legal to do! To the best of my knowledge, this continued into the date of XXXX XXXX, XXXX as you will see in one of the documents I am sending you all! We settled in full as agreed by both parties on the Contract on, XXXX XXXX, XXXX as you will see in my documents. You all now have a copy of, " Our Settlement Contract '' and the other documents showing my account 's errors by Avant Credit. 
It is my belief and opinion that AVANT CREDIT, is not following the laws as stated in the, Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission! '' For these reasons, I ask that you, please delete this Information/Account at the earliest possible time. Thank you in advance for your time in helping me with this account. 
Please reinvestigate this account and " DELETE '' the disputed item ( s ) as soon as possible, as all three of my major credit reporting agencies are suffering because of this. I have sent all the, " Contracts '' that, " WE '' did AVANT CREDIT, showing exactly the dates that legal business was conducted. In trying to reach out to you all numerous times, I am being forced to proceed further if I need to and submit all my documents to the, " Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission, '' as it is morally and illegally wrong to allow you all to get away with breaking your own, " Settlement Contract! ''