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Investigation took more than 30 days. This letter serves as formal notice of violation under the Fair Credit Reporting Act ( FCRA ). Your agency has falsely claimed to have verified an account that remains inaccurately listed on my consumer report. This constitutes a violation of 15 U.S.C. 1681i, 1681s-2, 1681c, and 1666. The inaccurate account ( s ) must be deleted within seventy-two ( 72 ) hours of receipt of this notice to avoid legal action seeking {$1000.00} per violation for willful noncompliance under 1681n.