Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Unverified Information on Credit Report - FCRA Section 611 and 609.

To Whom It May Concerns : I formally request that the following Inaccurate, Unverified and Incomplete Information : XXXX XXXX XXXX XXXX XXXX XXXX items be immediately investigated They must be in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ), section 611 specifically 15 USC 1681i ( S ( A ) Treatment of inaccurate or unverifiable information ( A ) and Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609- specifically 15 USC section 1681g. I will expect you to complete the verification within 30 ( thirty ) Days. 

XXXX XXXX XXXX : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX XXXX XXXX  : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. 
3. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
XXXX XXXX XXXX  I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this account immediately -XXXX XXXX XXXX  I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX XXXX I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX : I don't agree with the negative payment status and history listed on this account - Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative - XXXX XXXX  : I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account I understand that failure to investigate these accounts within a period of thirty days will result in " non- verification '' which requires that the above accounts be immediately removed from my credit file as violation ( FCRA ) Fair Credit Reporting Act -609 specifically 15 USC sections 1681g.

I also understand that the ( FCRA ) Fair Credit Reporting Act -611 specifically 15 USC sections 1681i ( d ) and Fair Credit Reporting Act -612 specifically 15 USC sections 1681j ( 1XA ) ( B ) - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charges Please send me my updated report as soon as your investigation is completed. 
I personally signed and sent this letter. Sincerely,