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Reporting company used your report improperly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting Under 15 U.S.C. 1681o Dear Credit Reporting Agency Representative, Subject : Dispute of Inaccurate Credit Reporting Under 15 U.S.C. 1681o I am writing to formally dispute an inaccurate entry on my credit report concerning late payment, collection account, or other erroneous negative reporting from Account number XXXX XXXX : XXXX XXXX XXXXXXXX XXXX This incorrect information has caused significant harm to my creditworthiness, and I believe it is a result of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Under 15 U.S.C. 1681o, any party that negligently fails