"This is a dispute under FCRA 611(a)(1) of the completeness and accuracy of information contained in my consumer credit file.
"Specifically, a collection agency, identified as (name, account reporting info, date reported) has filed as a collection in my credit file, but is being reported by you in your credit reports under reporting categories in the base segment of my credit file that apparently is including it in my credit scoring as an account with an original creditor.
"This is clearly incorrect information in my credit file. A collection agency cannot report 30/60/90+ lates to the base segment of my credit file, and this is apparently what the collection agency is doing, and what you are showing in my current credit reports.
"I ask that this be treated as a dispute of inaccurate credit reporting, with resulting inaccuarate information in my credit file under FCRA 611(a)(1).
"I thus request that you investigate this reported information, and report back to me your findings within 30-days of the date of this dispute.
"Due to the distinct nature of this dispute, I ask for full compliance with the provision of FCRA 611(a)(2)(B) that ALL information I provide in this dispute be forwarded to the named collection agency, and not just a simplified E-Oscar summary of this dispute.
"To that end, I additionally request, under the provisions of FCRA 611(a)(6)(B)(iii), that any any response from you include a full "description of the procedure used to determine the accuracy and compleness" of the disputed information" That includes, very specifcally, your extent of use of your E-Oscar process as part of your procedure, with prior notice by me of my express statement that I dont consider this to be in compliance with FCRA 611(a)(2)(B) in view of the circumstances of my request. Please fully address any use of E-Oscar, and any reliance you have made on its abbreviated referral provess, in any response.
