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Was not notified of investigation status or results. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). Inaccurate Information Dispute : XXXX : Account number : XXXX, I dont recall being late. Reason for Dispute : These accounts have not been properly verified or validated. Please update the payment status to paid as agreed, never late. Legal Definition of a Credit Card and Applicability of 15 USC 1666b : According to the Truth in Lending Act ( 15 U.S. Code 1602 ( k ) ), a " credit card '' includes any card, plate, or other credit device used to obtain money, property, la