[danelleo]

Ok I'm sure I've asked this before, I just can't find the right thread, a OC cannot report twice on a report with both showing a balance, correct? If so, is this letter good enough to send off?

Dear Sir or Madam:

I am writing to dispute information on my credit report. The items I wish to dispute are listed below and also highlighted on the attached copy of my credit report .

The following is being reported by Transunion:
Account Number: **********
Condition: Derogatory
Balance: $4225
Type: Installment sales contract
Pay Status: Collection/Chargeoff

It is also being reported as the following with all three Credit Report Agencies:
Account Number: **** 
Condition: Derogatory
Balance: $4053
Type: Installment sales contract
Pay Status: Collection/Chargeoff
Past Due: $3453
High Balance: $3511
Terms: 36 months
Limit:
Payment: $128 
Opened: 08/30/2006
Reported: 02/28/2009
Responsibility: Joint

In accordance with the FCRA you are not allowed to report a debt twice and by doing so you are in violation of the FCRA. I request that you delete both accounts immediately.