Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Investigation of Inaccurate and Unverifiable Credit Report Entries Dear TransUnion I am writing to formally dispute several entries on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate, unverifiable, and misleading information. These entries fail to meet the legal requirement of " maximum possible accuracy '' as defined under 15 U.S.C. 1681e ( b ). As the Certificated Security Holder of my estate, I demand an immediate investigation and correction or removal of the following items : Items in Dispute Charged Off Accounts : 1. XXXX XXXXXXXX XXXX XXXX Amount : {$3700.00} Account Number : XXXX Date Opened : XXXXXXXX Reason for Dispute : This account lacks validation and sufficient evidence to support its accuracy. Without possession of the original promissory note or equivalent documentation, this entry is unverifiable. Reporting based on incomplete or derivative records violates 15 U.S.C. $ 1681e ( b ). 

2. XXXX XXXX Amount : {$670.00} Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : No evidence exists of my agreement or consent for this account. Verification requires the original negotiable instrument, as copies do not satisfy the Federal Rules of Evidence ( FRE ) Rule 1002, which mandates the production of the original document to prove its contents.

3. XXXX XXXX XXXX  Amount : {$1200.00} Account : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : This account is unsupported by any original, signed contractual agreement. Without the original certificated security, the accuracy of this entry can not be assured. 


Legal Foundations for Dispute Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report.

15 U.S.C. 1681i : Mandates that unverifiable information must be corrected or deleted within 30 days of receiving a dispute.

Federal Rules of Evidence ( FRE ) : Rule 1002 ( Best Evidence Rule ) : States that the original document is required to prove the content of a writing, such as a promissory note or debt agreement. Copies or electronic reproductions are insufficient unless the original is unavailable for legitimate reasons.

Certificated Security Claim As the Certificated Security Holder of my estate, I assert the following : 1. Any reported debt against my credit file must be validated through the production of the original certificated security, promissory note, or equivalent legal documentation.

2. Copies or derivative evidence are insufficient to meet the evidentiary standard under the Federal Rules of Evidence ( Rule 1002 ).

3. Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Formal Demands 1. Verification of Accounts : Provide the original promissory note or equivalent legal documentation for each disputed entry. Copies or derivative records do not meet legal standards for verification.

2. Investigation and Correction : Conduct a thorough investigation of each disputed item and provide a written explanation of your findings.

3. Compliance with Legal Obligations : Ensure adherence to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i during the reinvestigation process.

Acknowledge that failure to comply constitutes a violation of federal law and subjects your agency to statutory and actual damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Failure to Comply If you fail to provide the requested validation or remove unverifiable information within 30 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies.

Declaration I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

Sincerely XXXX XXXX XXXX