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Information is missing that should be on the report. This letter serves as a formal demand for immediate correction or deletion of the above-referenced account that you have reported to the credit bureaus. Upon review of my credit report, I have identified significant and unlawful inaccuracies regarding your reporting practices under the Fair Credit Reporting Act ( FCRA ), specifically related to the missing Date of First Delinquency ( DOFD ). FCRA Violation Failure to Accurately Report DOFD As you are undoubtedly aware, Section 623 ( a ) ( 5 ) of the FCRA requires debt collectors to accurately report the DOFD to credit reporting agencies within XXXX days of initially reporting the account. Your failure to include this critical date not only misrepresents the status and history of the