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Reporting company used your report improperly. I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. Clean, Legal, and Powerful. This reporting items I'm talking about is XXXX XXXX XXXXXXXX, how all XXXX loans are saying I am 120 days late on my report. Dates XX/XX/year> Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 US CODE 1681i ( 5 ) Treatment of inaccurate or unverifiable info