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Reporting company used your report improperly. I am writing to formally dispute inaccurate information appearing on my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$270.00} Dispute Reason : Experians records show this account as open and over 120 days past due. However, both TransUnion and XXXX list the account as closed with a {$0.00} balance. My own records confirm the account was closed on XX/XX/XXXX with no balance due. This is a clear reporting error, as no delinquency exists on a closed, paid account. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$27000.00} Dispute Reason : Experian is