Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by XXXX names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! I have 30 days to dispute this information and will need proof of your investigation before anything is updated on my credit report. 

XXXXXXXX XXXX XXXX XXXX Experian Experian Account # : XXXX Account Description : Joint Contractual Liability Account Rating : As Agreed Account Status : Open Account Type : Installment Balance Owed : {$24000.00} Closed Date : -- Credit Limit : -- Creditor Remarks : CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$37000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$640.00} Payment Frequency : -- Payment Status : As Agreed Term Length : XXXX Loan Type : Automobile I have stumbled upon an unexpected late payment entry for account XXXX XXXXXXXX XXXX XXXX  for XXXX, XXXX on my credit report. Before taking any further action, I would appreciate your assistance in verifying this information. Should this entry prove incorrect, legal precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  guide the necessary correction to " paid as agreed, never late. '' XXXX XXXX XXXX  Experian Experian Account # : XXXX Account Description : Individual Account Rating : As Agreed Account Status : Open Account Type : Revolving Balance Owed : {$14.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$5100.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$14.00} Payment Frequency : -- Payment Status : As Agreed Term Length : -- Loan Type : Credit Card I insist that you update your information immediately, as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately, legal action may be necessary. Inaccurate data has no place in your records or on my credit report, so please erase it immediately. 
XXXX XXXXXXXX XXXX  Experian Experian Account # : XXXX Account Description : Individual Account Rating : Collection Or Charge Off Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$5000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Unsecured The above-mentioned content was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated! Documentation confirming compliance with reporting obligations and any consumer legislation is required. The information supplied above is insufficient. I demand that any wrong, incomplete, or unsupported material be deleted! 
XXXX XXXX XXXX  Experian Experian Account # : XXXX Account Description : Individual Account Rating : As Agreed Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this complaint to the following agencies as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication