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Reporting company used your report improperly. Subject : Request for Reopening of Dispute Closed without a Clear Response. To : Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) Dear Sir or Madam I am writing respectfully to express my concern regarding the closure of a previous dispute I filed. which was closed without a clear, adequate, or well-supported explanation. Under the fair credit Reporting Act ( FCRA ), specifically section 623 and 1681i, I have the information reported on my credit file. Furthermore, data furnishers are legally required to notify me in writing if they report negative information, such as charge-off within a reasonable timeframe. In this case, a charge-off was reported on my credit report without any prior written notification sent to me, which i