Improper use of your report: Credit reporting or other personal consumer reports

This letter serves as my initial dispute concerning inaccurate, incomplete, misleading, and unverifiable information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must maintain and report only information that is fully accurate and verifiable. Under FCRA 1681i, you are also obligated to perform a proper investigation of all disputed accounts and information.