Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately. 
