Product: Debt collection

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 Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX, XXXX and XXXX, I am writing to formally dispute inaccurate and outdated information on my credit report. As a consumer, I have the right to fair, accurate reporting and the protection of my personal information under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], which guarantees both the accuracy and privacy of information maintained by credit reporting agencies. 
Specifically, I am disputing the following items on my credit report : 1. Late Payments : The following accounts reflect late payments, though they have been fully paid and should be updated to " Paid on Time. 
o Account # 1 XXXX XXXX XXXX : XXXX 2. Hard Inquiries : I request the removal of the following unauthorized or outdated inquiries from my credit report. Under FCRA and the Right to Financial Privacy Act ( RFPA ) [ 12 U.S.C. 3401 ], I am entitled to the removal of inquiries not authorized by me or those that no longer meet the legal retention period. 
o Inquiry # 1 : XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry # 2 : Global Lending Service XX/XX/XXXX XXXX Inquiry # 2 : XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry # 2 : Global Lending Service XX/XX/XXXXXXXX XXXX Inquiry # 2 XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX : The following charge-offs are either inaccurate or improperly reported, and their presence violates my rights under the FCRA and XXXX, which protect consumers ' privacy and ensure accurate financial reporting. 
o Charge-Off # 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  It is also critical to note that my personal information has been compromised in several major data breaches, including : XXXXXXXX XXXX XXXX XXXX Subscriber Data Breach ( reported XXXX ) XXXX XXXX Breach ( XXXX XXXX XXXX XXXX XXXX XXXX Breach ( reported XXXX XXXX XXXX XXXX XXXX ( reported XXXX ) XXXX XXXX Breach ( reported XXXX ) Due to the sensitive nature of these breaches, I am concerned that inaccurate or negative information on my credit report may be the result of unauthorized access to my personal details. My rights to privacy, as provided by the FCRA and RFPA, have been compromised, and I am requesting immediate action to rectify any inaccurate information. 
I request an immediate review of the disputed items in accordance with the FCRA and RFPA guidelines. You are required to investigate and correct any inaccurate information within 30 days of receiving this letter, as mandated by law. 
I have included copies of supporting documentation, including payment records, to assist with the investigation. Upon conclusion, I expect my credit report to reflect accurate and timely payment information, the removal of unauthorized inquiries, and the correction of improperly reported charge-offs. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the correction of my credit report. 
Sincerely, XXXX XXXX