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Attempted to collect wrong amount. NOTICE OF FORMAL DISPUTE, CEASE COMMUNICATION, AND DEMAND FOR INVESTIGATION This letter serves as my formal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I am disputing the accuracy, completeness, and verifiability of the account ( s ) you are reporting under my name. This dispute is made in good faith and with lawful authority. LEGAL BASIS FOR DISPUTE 1. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any furnisher from reporting information that is inaccurate or incomplete. 2. FCRA 15 U.S.C. 1681s-2 ( b ) Requires a furnisher, upon notice of dispute, to conduct a reasonable investigation and correct or delete unverifia