Product: Credit reporting or other personal consumer reports

To whom it may concern his correspondence is a formal dispute of inaccurate information contained within my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon a meticulous review of my credit report, I have identified the following items that are erroneous and require immediate investigation and rectification : 1. Unauthorized Inquiry Creditor : XXXX XXXXDate of Inquiry : XXXX of Dispute : This inquiry was not authorized by me and, therefore, constitutes a violation of 15 U.S.C. 1681b, which outlines permissible purposes for obtaining a consumer report.Requested Action : Immediate removal of this unauthorized inquiry from my credit report. 
XXXX. Inaccurate Billing Information Creditor : XXXX XXXX Number : XXXXNature of Dispute : I have been incorrectly billed, and the reported information is inaccurate. This violates 15 U.S.C. 1681s-2, which mandates the furnishing of accurate information.Requested Action : Update the status of this account to reflect accurate billing information.

3. Inaccurate Billing Information Creditor XXXX XXXX XXXX XXXX XXXXXXXX Number : XXXXNature of Dispute : Incorrect billing reported.Requested Action : Correct the account status to reflect accurate information. 
4. Inaccurate Billing Information Creditor : XXXX XXXXAccount Number : XXXXNature of Dispute : Incorrect billing reported.Requested Action : Correct the account status to reflect accurate information. 
5. Inaccurate Billing Information Creditor : XXXXAccount Number : XXXX of Dispute : Incorrect billing reported.Requested Action : Correct the account status to reflect accurate information. 
6. Inaccurate Billing Information Creditor : XXXX XXXX XXXXXXXX Number : XXXXNature of Dispute : Incorrect billing reported.Requested Action : Correct the account status to reflect accurate information. 
XXXX. Inaccurate Billing Information Creditor : XXXXAccount Number : XXXXNature of Dispute : Incorrect billing reported.Requested Action : Correct the account status to reflect accurate information. 
8. Inaccurate Billing Information Creditor : XXXX XXXX XXXX XXXXAccount Number : XXXXNature of Dispute : Incorrect billing reported.Requested Action : Correct the account status to reflect accurate information. 
XXXX. Incorrect Personal Information Incorrect Address : XXXX XXXX XXXX XXXX NY XXXX of Dispute : This is not a valid previous address for me.Requested Action : Immediate removal from my credit report under 15 U.S.C. 1681c, which mandates the accuracy of personal information.

10. Incorrect Personal Information Incorrect Address : XXXX XXXX XXXX XXXX NY XXXX of Dispute : This is not a valid previous address for me.Requested Action : Immediate removal from my credit report under 15 U.S.C. 1681c.

11. Inaccurate Association with Account Creditor : XXXX XXXX Number : XXXXIncorrect Address : XXXX XXXX XXXX XXXX NY XXXX of Dispute : The listed address is not associated with my account or personal information.Requested Action : Correct the associated address and update my personal information accordingly. 
Legal Basis for Dispute and Request for Action Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation into any disputed information within 30 days of receiving this notice. If the information can not be verified, it must be promptly deleted or corrected. Additionally, under 15 U.S.C. 1681i ( d ), I am entitled to receive a free updated copy of my credit report once the investigation is completed. I also request that you notify all parties who have accessed my credit report within the last six months of any and all corrections made. Supporting Documentation I have included the following documentation to assist with your investigation : A copy of my government-issued IDProof of my current address ( utility bill or bank statement ) A copy of my credit report with the disputed items clearly marked Conclusion Failu
re to comply with the obligations under the FCRA may

result in legal action to enforce my rights. Please provide a full investigation report and an updated copy of my credit report upon the completion of your investigation. I expect a written response within 30 days detailing the results of your investigation and the actions taken. Should you require further clarification or additional information to process this dispute, feel free to contact me using the information provided above. Thank you for your attention to this matter.