Mia Joy Manaois

11/08/2018 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.  I demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.  I demand that the following account be verified or removed immediately: TOYOTA MTR     Account Number:-****     This account still reflects negatively, even after many attempts to reach out your office. The monthly payment, balance, terms, limit and past due are still missing. Once again, please provide all missing information which I have been repeatedly asking for and provide me with all instruments used to report this account on my credit report or have this acccount removed. I demand that your agency remove all these inaccurate and incomplete accounts being reported as my score has suffered long enough. CARTER-YOUNG INC Account Number: XXXX Please enlighten me with this collection account by providing the following information like the monthly payment, date opened, balance, terms, high credit, credit limit, past due, date of last payment, date of first delinquency and date closed. If your agency is unable to do so, please remove it from my credit report. CHRYSLER CAPITAL Account Number: XXXX The reporting of this account is unreliable and incomplete. The monthly payment, high balance and limit are not reported. The payment history is showing 90-daylate payment and multiple negative remarks which is erroneous. If you are unable to provide accurate and correct information, I ask that your agency please remove this from my report. NATIONWIDE RECOVERY SV Account Number: XXXX I do not recall this collection account. Besides, your agency reported this account incompletely and inaccurately. Please provide the missing information such as the monthly payment, terms, credit limit, past due, date of last payment, date of first delinquency and date closed. If your agency is unable to do so, please remove this account from my report immediately. Thank you,