Product: Credit reporting or other personal consumer reports

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Attn : Consumer Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL NOTICE OF FCRA VIOLATIONS AND DEMAND FOR INVESTIGATION Consumer Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This correspondence serves as formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with my XXXX consumer report. I demand immediate investigation and deletion of all inaccurate information within the statutorily prescribed timeframe. 

# # NOTICE OF METRO 2 FORMAT COMPLIANCE VIOLATIONS I have identified the following entries in my XXXX consumer file that violate the Consumer Data Industry Association 's Metro 2 Format reporting standards and therefore constitute FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Metro 2 Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Metro 2 Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Metro 2 Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Metro 2 Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEMAND FOR ACTION UNDER FCRA REQUIREMENTS Under the FCRA, specifically 1681i ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation of the disputed information within 30 days from receipt of this dispute. Furthermore, pursuant to 1681i ( a ) ( 5 ) ( A ), you must promptly delete all information found to be inaccurate or unverifiable. 

The violations cited constitute willful and/or negligent noncompliance with the FCRA, which entitles me to statutory, actual, and potentially punitive damages, plus costs and reasonable attorney 's fees per 1681n and 1681o. XXXX XXXX VERIFICATION AND E-OSCAR REQUIREMENTS I demand that XXXX : 1. Utilize proper e-OSCAR protocols to verify whether all reported items meet Metro 2 Format compliance standards 2. Properly code all disputed items with the appropriate Consumer Information Indicator ( CII ) code XXXX. Completely delete ( not suppress ) any information that can not be verified as 100 % accurate through primary source documentation 4. Provide written confirmation that proper reinvestigation procedures were followed using Metro 2 Format validation criteria # # REQUEST FOR INVESTIGATION DOCUMENTATION Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with : 1. A description of the procedure used to determine the accuracy and completeness of the disputed information 2. The business name, address, and telephone number of each furnisher of information contacted during the reinvestigation 3. A copy of all information provided by each furnisher relied upon in your reinvestigation 4. Written results of your reinvestigation