Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Urgent Dispute Regarding Fraudulent Accounts and Identity Theft Dear Sir or Madam, I am writing to formally dispute numerous fraudulent accounts that have been reported to my credit file. These accounts were opened without my consent and are the result of identity theft, which I previously reported. I am appalled by the lack of resolution, as it appears that no meaningful investigation was conducted in response to my prior disputes. 
Specifically, I am disputing the following fraudulent UNAUTHORIZED inquiries and accounts : 1. XXXX XXXX ( Three separate inquiries ) 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4.XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account for fraudulent credit cards 6. XX/XX/XXXXXXXX Account with a balance of {$990.00} 7. XXXX XXXX Account with a balance of {$1800.00} XXXX. XXXX XXXX Account with a balance of {$6100.00} 9. XXXX Account with a balance of {$4100.00} 10. XXXX XXXX {$0.00} balance ( fraudulent ) 11. XXXX XXXX {$0.00} balance ( fraudulent ) 12. XXXX XXXX for {$79.00} These fraudulent accounts have caused severe damage to my credit score and financial well-being. Furthermore, I have NEVER entered into any agreements with the listed creditors, and the fraudulent credit cards were issued to individuals who stole my personal information. It is clear that my personal data was compromised in the XXXX data breach and a more recent breach covered by 605B. 
Despite previously disputing these fraudulent entries, the accounts were marked as " verified '' without providing any legitimate proof of investigation. This suggests that XXXX has failed to properly investigate my disputes, or that the process was handled without due diligence. As a result, I believe my rights have been violated, and the lack of resolution is completely unacceptable. 
In addition to the fraudulent accounts listed above, there are multiple incorrect names and addresses associated with my credit file. Specifically, I request the immediate removal of any names and addresses that do not pertain to me. The only accurate name and address associated with my credit file should be : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, AZ XXXX All other names and addresses listed are the result of identity theft and must be removed immediately to comply with the Fair Credit Reporting Act ( FCRA ), which ensures that only accurate information is reported on my credit file. 
Despite my prior disputes, these fraudulent entries were marked as " verified '' without adequate proof of investigation, leading me to believe that no meaningful inquiry was conducted. This oversight is unacceptable, and I demand that you conduct a thorough and proper investigation into these items, as required by law. 
I hereby demand the following : 1. Immediate removal of all fraudulent accounts and inquiries listed above from my credit report. 
2. Immediate removal of all inaccurate names and addresses associated with my credit file, with only XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, AZ XXXX remaining. 
3. A full and thorough investigation into these fraudulent accounts and the associated incorrect information, in compliance with the FCRA.

4. Proper documentation or evidence of any investigations you conducted, including any correspondence or information submitted by the alleged creditors.

5. A written confirmation that the corrections have been made to my credit file. 
If these fraudulent items are not removed from my credit report IMMEDIATELY REMOVED of receiving this letter, I will be forced to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal recourse. 
Please treat this matter with the urgency and seriousness it deserves. I expect to receive confirmation of the removal of these fraudulent accounts and inquiries as soon as possible. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Federal Trade Commission : XXXX FTC Report Number : XXXX I am a XX/XX/XXXX. This is my official statement about the crime. 

Contact Information First Name : XXXX XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, A XXXX, AZ XXXX XXXX Phone : XXXX Email : XXXX Personal Statement These additional names need to be removed from my reports I don't use other names : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX This additional address needs to be removed its inaccurate information : XXXX XXXX XXXX XXXX XXXX AZ XXXX. These inquiries were never authorized or sought by me :XX/XX/XXXX XXXX, XXXX. 
Accounts Affected by the XXXXXX/XX/XXXX Opened by the XX/XX/XXXX or Organization : XXXX XXXX BANK XXXX. 
Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$990.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1800.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6100.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$4100.00} Credit Card Opened by the XX/XX/XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX AZ XXXX Credit Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XX/XX/XXXX