Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report to improve my credit and get a handle on my debt and responsibilities. When going through, I have reasonable cause to believe that the XXXXnformation is inaccurate meaning I have no specific knowledge, other than sole allegations by the reporting agency that is causing me to have reasonable and substantial doubts about the accuracy of my information. I also talked to my creditor, and I should not have any late payments or debt and requesting 1099-C form. I am not saying they are reporting right or wrong, I am doing my due diligence and invoking my right per the Fair Credit Reporting Act, to challenge all information I believe to be inaccurate.

Per 15 U.S. Code s 1681e, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the Information concerning the Individual to whom the report relates. Per 15 U.S. Code g 1681I, ( A ) In general Subject to subsection ( and except as provided in subsection ( g ), if the completeness or accuracy of any Item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general, Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 5 ) Treatment of inaccurate or unverifiable information ( a ) in general If, after any reinvestigation under paragraph any information disputed by a consumer, an item oft the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion- ( I ) a statement that the disputed information has been reinserted ; ( Ir ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Iii ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information..