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Act as a consumer protection attorney who specializes in (insert state) credit and debt laws. I am a resident of (insert state). My credit report contains accounts that may be inaccurate, unverifiable, outdated, or improperly reported. Identify state-specific consumer protection laws, debt collection laws, credit reporting laws, or unfair trade practice statutes in (insert state)that apply to: inaccurate credit reporting failure to properly investigate disputes improper debt collection or verification reporting without legal authority violations that go beyond the federal FCRA For each applicable law, provide: The name of the law and statute citation What the law requires creditors, collectors, or bureaus to do What constitutes a violation How a consumer can use this law in a dispute letter or complaint