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Their investigation did not fix an error on your report. Formal Dispute and Request for Reinvestigation Account Number : XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information regarding the above-referenced account and to request a thorough reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. DISPUTE DETAILS : I dispute the accuracy and completeness of the information being reported on this account for the following reasons : Account balance is inaccurate Payment history contains errors Account status is incorrectly reported Dates of delinquency are wrong Account was not properly validated LEGAL BASIS FOR DISPUTE : Under the FCRA 611, you are required to conduc