Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). Specifically : Section 609 ( 15 U.S.C. 1681g ) : I am exercising my right to request all information in my credit file related to the disputed accounts.

Section 611 ( 15 U.S.C. 1681i ) : I am formally disputing the accuracy of the following items on my credit report and request that you investigate these discrepancies. 
Legal Basis for Dispute The FCRA provides consumers with significant rights regarding their credit information : 1. Accuracy Requirement : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information must not provide any inaccurate data to consumer reporting agencies, ensuring that only correct information is reported. 
2. Written Instructions : According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency can not furnish a consumer report without the consumers written consent, safeguarding against unauthorized disclosures.

As a resident of North Carolina, I am also protected under state laws : North Carolina Debt Collection Act ( N.C.G.S. 75-57 ) : This statute allows consumers to take legal action if a debt collector fails to correct inaccurate information after being notified and imposes a duty on debt collectors to verify and correct inaccuracies within 60 days.

North Carolina General Statutes 75-1.1 : This statute prohibits unfair and deceptive trade practices, which can include failing to correct inaccurate credit reporting. 
Disputed Accounts 1. Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Not mine or No knowledge of account 2. Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Not mine or No knowledge of account 3. Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Payment never late 4. Account Name/Creditor : XXXX Account Number : XXXX Reason for Dispute : Unauthorized charges 5. Account Name/Creditor : XXXX Account Number : XXXX Reason for Dispute : Not mine or No knowledge of account Intent to Pursue Legal Action Please be advised that if these inaccuracies are not removed from my credit report, I will pursue legal action for damages under applicable constitutional codes and statutes protecting consumer rights, including but not limited to the FCRA and North Carolina laws . 
Request for Action I request that you investigate these disputes and remove any inaccurate, unverifiable, or outdated information from my credit report. If you find that the information is accurate, please provide me with validation and verification of the debts, including copies of any relevant documentation.

Specifically : The FCRA requires that all information in my credit report be accurate and verifiable ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 
Consumer reporting agencies must not furnish a consumer report without my written consent ( 15 U.S.C. 1681b ( a ) ). 
Adverse information older than seven years should not be included in my credit report ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 
Sincerely, XXXX XXXX XXXX