Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. 
Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : CXXXX XXXXXXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX LOAN SERVICIN Account Number : XXXX Reason : The current payment status of At least 120 days or more than XXXX payments past due is incorrect because the balance due on this account is {$0.00} Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. 


INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I sincerely request a thorough investigation and correction. I have reached out to both the credit reporting agency and the data furnisher, but unfortunately, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to clearly illustrate the inaccuracies and support my claim. I appreciate your attention to this matter and kindly ask for a prompt investigation and update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your understanding.