Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts on Credit Reports Description of the Issue : I, XXXX XXXX, am writing to formally dispute several fraudulent accounts that appear on my credit reports with Experian and XXXX. These accounts were opened without my knowledge or consent, and I am a victim of identity theft. Below are the details of the disputed accounts : XXXX XXXX ( Account Number : XXXX ) -Dates : Opened XX/XX/XXXX ; Status updated XX/XX/XXXX XXXX : ** This account is fraudulent. I did not open or authorize this account. It shows a charged-off status with a balance of {$320.00}, which I did not incur. 

XXXX. XXXX XXXX ( Account Number : XXXX ) - Dates : Opened XX/XX/XXXX ; Status updated XX/XX/XXXX - Dispute : This account is fraudulent. I did not open or authorize this account. It shows a charged-off status with a balance of {$1800.00}, which I did not incur. 

XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) - Dates : ** Opened XX/XX/XXXX ; Status updated XX/XX/XXXX - Dispute : This account is fraudulent. I did not open or authorize this account. It shows a charged-off status with a balance of {$500.00}, which I did not incur. 

XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) - Dates : Opened XX/XX/XXXX ; Status updated XX/XX/XXXX - Dispute : This collection account is fraudulent. I did not open or authorize this account. It shows a collection status with a balance of {$1800.00}, which I did not incur. The original creditor is listed as XXXX XXXX. 

XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) - Dates : Opened XX/XX/XXXX ; Status updated XX/XX/XXXX - Dispute : This collection account is fraudulent. I did not open or authorize this account. It shows a collection status with a balance of {$200.00}, which I did not incur. The original creditor is listed as XXXX. 

XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX ) - Dates : Opened XX/XX/XXXX ; Status updated XX/XX/XXXX - Dispute : This auto loan account is fraudulent. I did not open or authorize this account. It shows an open status with a past due amount of {$12000.00}, which I did not incur. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am entitled to have inaccurate or fraudulent information removed from my credit report. Specifically : - Section 605B of the FCRA requires credit reporting agencies to block and remove information resulting from identity theft upon receipt of an identity theft report.

- Section 611 of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed items within 30 days and remove any information that can not be verified. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to dispute and request validation of any debts that I believe are fraudulent or inaccurate. 

Supporting Documentation : I have attached the following documents to support my dispute : 1. A copy of my credit report with the fraudulent accounts highlighted.

2. My **FTC Identity Theft Report** ( Report Reference Number : [ Insert Number ] ). 
XXXX. Any additional documentation that may assist in the investigation.

Request for Action : I request that the following actions be taken : 1. Immediate Removal : Remove all disputed accounts from my credit report, as they are fraudulent and were opened without my authorization. 
XXXX. Investigation : Conduct a thorough investigation into these accounts and provide me with written confirmation of the results. 
XXXX. Compliance with FCRA : Ensure compliance with the FCRA by resolving this dispute within 30 days, as required by law. 

Contact Information : If you require any additional information or documentation, please contact me at : - Phone:XXXX - Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX