Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **Experian** XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject XXXX ** Dispute of Inaccurate and Unverifiable Information Under FCRA and XXXX AND XXXX XXXX XXXX ARE BOTH REPORTING THE SAME ACCOUNT WITH SAME AMOUNT BOTH COMPANIES CAN NOT REPORT SAME INFORMATION TWICE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. 

Dear Credit Bureau Representative, I am disputing inaccuracies on my credit report per my rights under the **Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) ** and **Metro 2 Compliance Standards**. Under **FCRA 611 ( 15 U.S.C. 1681i ) **, I formally request a reinvestigation of all reported accounts, inquiries, and derogatory marks that appear inconsistent or unverifiable. 

Additionally, under **FCRA 609 ( a ) ( 1 ) **, I request full disclosure of the verification process, including the source and method used to validate the disputed items. Any information that does not comply with **FCRA 605 ( a ) ** and fails Metro 2 reporting accuracy standards must be promptly deleted.

# # # **Disputed Issues : ** 1. **Inconsistencies in Personal Information** - Address variations and employer history discrepancies across Experian and Equifax violate **FCRA 607 ( b ) **, requiring maximum possible accuracy.

2. **Account Discrepancies Between Experian and Equifax** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Experian but not Equifax, with a past due balance despite being closed. This violates **FCRA 605 ( b ) ** regarding outdated or misleading reporting. 
- XXXX XXXX XXXX XXXX XXXX Missing payment history details ; Experian shows late payments without documentation, violating **FCRA 611 ( a ) ( 1 ) **. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported as 90 days late on Experian but missing on Equifax, indicating a potential reporting error. 
- XXXX XXXX XXXX XXXX XXXXXXXX Experian lists it as 60 days late, while Equifax marks it as closed. If unverifiable, this must be deleted per **FCRA 609 ( a ) ( 1 ) **. 

XXXX. **Collections Account XXXX XXXX XXXX - Experian reports a \ {$26000.00} collection account without an original creditor listed, violating **FCRA 609 ( a ) ( 1 ) ** and **FDCPA 807 ( 8 ) **.

4. **Unauthorized Hard Inquiries** - Experian reports inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), which do not appear on Equifax. If not authorized, these must be removed per **FCRA 604 ( a ) **.

# # # **Requested Actions : ** 1. **Conduct a Metro 2-compliant reinvestigation** into all disputed items.

2. **Delete any unverifiable, inconsistent, or inaccurate accounts** under **FCRA 611 ( a ) ( 5 ) ( A ) **.

3. **Provide a detailed verification report** per **FCRA 609 ( a ) ( 1 ) **.

4. **Send an updated consumer report via XXXX XXXX reflecting the corrected records. 

Failure to comply with these requests may result in legal action, including complaints to the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) ** for noncompliance with **FCRA and Metro 2 reporting standards**.

Thank you for your time and immediate attention to this matter. I expect your response within **30 days**, as required under federal law. 

Sincerely, XXXX XXXX **Enclosures : ** - Copy of Government-issued ID - Copy Social security card - Copy of Credit Reports with Highlighted Disputed Items