Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX DL : XXXX Formal Complaint Regarding Inaccurate and unverifiable Items To Whom It May Concern, I am writing to formally address a matter regarding inaccurate and unverifiable information on my credit report thats in direct violation of the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, You have a legal obligation under the FCRA to ensure the accuracy and integrity of the information it furnishes and to delete information that can not be verified. 
This failure to maintain accurate information has adversely affected my creditworthiness, resulting in hurting my reputation and my financial profile. 
Under Section 611 of the FCRA, you are required to conduct a reasonable investigation when a consumer disputes information, including verifying the accuracy and validity of disputed items. If you can not verify the accuracy of this information, it must be removed. 
Accounts in question.. 

XXXX The Charge-off amount is inaccurate. 
The First late payment is inaccurate. 
The Date open is unverifiable according to XXXX  so this cant be verified. 
If all of these cant be verified and updated, please DELETE from the credit file. 





2. XXXX XXXX ( Auto Loan ) The First late payment cant be verified per XXXX XXXX. 
The Last late payment is inaccurate. 
The reported balance of {$260.00} is inaccurate. 
If all of these cant be verified and updated, please DELETE from the credit file. 

3. XXXX XXXX XXXX ENDING IN # XXXX ( XXXX ) The First late payment can not be verified. 
The last late payment is inaccurate. 
If all of these cant be verified and updated, please DELETE from credit file. 

4. XXXX XXXX XXXX ( {$1000.00} ) The late payment is inaccurate. 
The charge off date is inaccurate. 
If all of these cant be verified and updated, please DELETE from credit file. 

5. XXXX ( XXXX XXXX  ) The first late payment can not be verified. 
The last late payment is inaccurate. 
If all of these cant be verified and updated, please DELETE from credit file. 

6. At Home ( XXXX XXXX  ) The late payment is unverifiable. 
The Highest balance is unverifiable. 
If all of these cant be verified and updated, please DELETE from credit file. 
7. XXXX ( XXXX XXXX  ) The late payment is unverifiable. 
The Highest balance is unverifiable. 

8. XXXX XXXX The whole account is inaccurate. 

I have already spoke with the companies. Immediately delete the inaccurate and unverifiable items on my credit report as required by law if not verified. 
Provide written confirmation that these items have been removed or corrected and if verified from where, along with an updated copy of my credit report ; Im not going back and forth with this matter. Please treat this as a formal complaint, and consider it my final attempt to resolve this matter through administrative channels. Should this issue remain unresolved, I am prepared to pursue legal action to seek damages for failure to comply with the FCRA. 
I expect a prompt response outlining the actions XXXX will take to correct or delete the unverifiable information, along with assurances that such issues will not recur. 

Thanks, XXXX