Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX and XXXX. I am writing to formally dispute the accuracy and completeness of several items listed on my credit report. Please consider this letter as my formal request for investigation under the Fair Credit Reporting Act ( FCRA ). The following accounts contain inaccurate or unverifiable information, and I am requesting that they be corrected or deleted from my credit report. all Inquries XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Issue : The account is listed as charged off with a balance of {$10000.00}. I believe the reporting of this account is inaccurate, including the status and balance due. Request : Verify the accuracy of the status, balance, and any past-due amount. If unverifiable, please delete this account. XXXXXXXX XXXX XXXX ( Account # XXXX ) Issue : This account is marked as charged off with a balance of {$1100.00}. I request verification of the charge-off status, balance due, and accuracy of the reporting. Request : Validate this account, including the charge-off status and balance. Delete if not fully verifiable. XXXX XXXX XXXX ( Account # XXXX ) Issue : This account is marked as charged off with a balance of {$4500.00}. The reporting of the balance, status, and charge-off details appears inconsistent. Request : Investigate the accuracy of the charge-off details, balance, and status. Delete if unverifiable. XXXX. XXXX XXXX Account # XXXX ) Issue : The account is reported as charged off with a balance of {$16000.00} and an original balance of {$18000.00}. The accuracy of this information is disputed. Request : Verify all reported details, including the balance, charge-off status, and past-due amount. Delete if not verifiable. XXXX. XXXX  ( Account # XXXX ) Issue : This account is reported as repossessed with a balance of {$9900.00}. The information appears inconsistent and requires further verification. Request : Investigate and verify all reported details for accuracy. Delete if unverifiable. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Issue : This account shows a balance of {$900.00} and a late payment in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the late payment record and request verification. Request : Validate the accuracy of the late payment and overall account reporting. If unverifiable, remove the negative marks. XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX  ) Issue : This account lists a late payment in XX/XX/XXXX, which I believe is inaccurate. Request : Investigate and verify the accuracy of the reported late payment. Delete the late payment if it can not be verified. Supporting Arguments : Under the FCRA, you are required to ensure the accuracy and completeness of the information you report. If any of the above accounts can not be fully verified as accurate, I request that they be immediately deleted from my credit report. Action Requested : Conduct a full investigation of each disputed item. Provide me with written results of your investigation and a copy of my updated credit report. If you decide not to make the requested changes, please provide a detailed explanation of your reasoning, including the evidence used to support the accuracy of the disputed information. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period as required by law. Should you need additional information to investigate these disputes, please contact me at the address provided above.