here is my letter then which will give a very good idea what has happen, what they did wrong, no in compliance with the rules of business Shame on them for putting a loyal costumer considering that the company is going and have some much trouble in credibility well they deserve it base on my experience. This is the last change to them fix it. If not I will male further declaration with consumer Finance, this way I am communicating from this organization as I have more to say but for now lets fix Here my letter I have enclose it with documents to support the dispute here goes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX : Account XXXX XXXX account # To Whom It May Concern : Be advised this letter is a result for your refusal and in violation for reporting inaccurate information to my credit reporting file Be reminded that under the Fair Reporting Practices Act ( FRCPA ), I have the right to request validation, proof when and of any adverse action reported on my credit file. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, that you have already put a negative mark on my file to all my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Reporting Practices Act and Defamation of Character. I am sure you know if you have the credential to report adverse negative information on customer file then you must also know that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. During my direct dispute with your offices you were not able to provide the proper documentation as requested instead I got a response that you have not legal obligation to provide me any documentation to support the insertion of a negative remark to an account that has been close and paid as agree to active and re-aging the account to further damage my credit shame on you. If your offices disagree and fail to respond to this request with supporting documents references to this then it must be deleted removed the late one time pass 30 days from the account to reflect accurate information. I required and as ask of you a letter copy of such deletion request shall be sent to me immediately. If you responded as correct and verified you will have relinquish your obligations It would be advisable that your department will have the records of this account my account with you that such records are in order before I am forced to take legal action. Please provide the following : Complete accounting of alleged payment not received 30 days late. Acceptable documents would be as follow copy of transaction of payment received from me method of how was received, By check, An ACH XXXX credit online payment Providing me with an excel document with dates and amount it will not prove anything I can do the same back to you and say the same right. Be aware that I have copies of then but because you are the one reporting this, then I am demanding for you to provided documents to support it. And no you can and will not ask that of me I am sorry for that, but you are to blame and your incompetent staff that does not know what they are talking and shame on for treating a loyal costumer as me, very wrong. I will make sure that corporate will know about this if not already. This should have never gone this further lack of respect. Only defending my right and wont let or allow you to be intimidated by, because for a moment you did think mistakes happen, what is important is how they handle you did a terrible job at it. I want to put this on records that when I initiated and requested from you and inquire about this adverse report on my account your staff have stated that because the account was closed and few years has passed that you can not provided me any records such as statement copy of financial transaction. Logically if you dont paper trail evidence or some short of documents other than an excel document how the XXXX you decide that was legal for you to exercise go ahead change date and re-age an account that has been closed as accurate and your words again mine have me speechless Please provide the name and address and telephone of your legal department in case legal action becomes necessary. Your claim of alleged 30 days plus late payment can not and it will not be considered if any portion of the above is not completed and returned with copies of all requested documents. To the Credit Reporting Agency bureaus will have the final word along with the Consumer financial Protection Bureau This is a result of you in violation made pursuant to the Fair Reporting Practices Act. . Best Regards XXXX XXXX cc Federal Trade Commission Division of Civil Rigths Enclose : this documents XXXX Payment confirmation from XXXX XXXX website member account Email copy confirmation from XXXX XXXX confirming schedule payment sent by email to me XXXX Payment copy confirmation from XXXX XXXX website members accout Email copy confirmation from XXXX XXXX confirming schedule payment sent by email to