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Investigation took more than 30 days. Im disputing a {$34000.00} repossession being reported by XXXX XXXX. The account appears on all three bureaus and even shows duplicate listings with nearly identical details clear evidence of reporting errors and data-furnisher negligence. No proof of sale, deficiency notice, or payment breakdown has ever been provided despite multiple written disputes. This violates FCRA 609 ( a ) ( right to documentation ) and FCRA 611 ( a ) ( reasonable reinvestigation ). Reporting duplicate derogatories also breaches Metro 2 Compliance 4.3.1, which prohibits multiple entries for the same account. The bureaus are knowingly reporting unverified information and issuing false verified responses. You all make billions selling consumer data, yet fail to verify the i