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Reporting company used your report improperly. I contacted all collections account companies and informed them these accounts are not accurate and must be deleted immediately as a federal protected consumer under FCRA, ECOA, TILA, HJR-192 no repsonse was giving back to me after the 21 day mark and I need these accounts listed to handle according to law thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Charge-Off Accounts Dear Sir or Madam, I am writing to formally dispute the reporting of certain accounts on my credit report under the Fair Credit Reporting Act ( FCRA ) and other relevan