RE : XX/XX/XXXX Dispute Letter to XXXX TransUnion and XXXX. Account # XXXX and previous account # XXXX The above reference account is a joint account between my spouse and I, and when being reported by the CRA 's the account in question must be reported with the identical status and description as my spouse 's. 
[ 1. ] This Submission shall serve as a formal notice and complaint filed with the FTC against XXXX, XXXX and TansUnion to correct unlawful credit reporting ; the CRA 's blatant disregard of two previous notices of dispute ; and the CRAs disregard of its own 10 year historical credit file pertaining to the above referenced account. 
[ 2. ] Please note that XXXX, TransUnion and XXXX upon receiving my NOTICE of DISPUTE should have examined its own historical credit report related to this account. The CRA 's should have followed its own records that shows that the joint account should have been removed from not only my spouse 's credit file but should have been deleted from my credit file as well. See EXHIBIT-9, XXXX report and EXHIBIT-8, XXXX re-investigation that resulted in the joint account being removed from my spouse 's credit file. Because Account # XXXX is a joint account, and no distention can be made in reporting the obsolete, and deleted status of the account. 
[ 3. ] Whereas, all three CRA 's Had a duty imposed by the FCRA to reinvestigate the dispute pursuant the FCRA 's special rules designed to make certain that the debts was tracked and identified as a single obligation as they are transferred from holder to holder. In this case the CRA 'S failed to follow the law. 
[ 4. ] All CRA 's historical credit reports as to the accounts reference above shows that between XX/XX/XXXX and XX/XX/XXXX, both CRA 's consistently reported the " DATE OF FIRST DELINQUENCY '' as being XX/XX/XXXX, that date was furnished to the CRA 's by XXXX prior to the charge-off and closure of the account by XXXX. Both CRA 's historical credit reports clearly shows that the " Estimated month and year that this item will be removed : XX/XX/XXXX ''. 
[ 6. ] Since the CRA 's did not rely on its historical credit files, they have made an erroneous determination predicated upon a false belief that the initial date of delinquency or charge-off is the more recent " date of last activity '' ( when the account was assigned to the collector ) rather than a date months or years earlier, when the debt was in the hands of the original creditor. Misreporting in this manner means that the debt will be included in credit reports long after it has become legally obsolete and therefore no longer reportable ( seven years after delinquency for most debts ).

[ 7. ] The joint Account # XXXX was determined to be legally obsolete and therefore no longer reportable or collectable as to my spouse 's, credit files and the same should apply to my credit file as well. However, XXXX XXXX XXXX XXXX has illegally filed and served yet another non-judicial foreclosure notice disregarding the re-investigation result of my spouse 's credit files. The account is joint and it is illegal to treat my credit report as to account # XXXX differently than my spouse. 
[ 8. ] I ask this Commission to compel XXXX XXXX XXXX XXXX to cancel any and all forms of collection and notify me in writing within 5 days that collections/foreclosure action has been cancel. 
[ 9. ] All three CRA 's failed to REMOVE THE obsolete ACCOUNT. the failure to comply with these federal regulations by these credit reporting agencies must be investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).