Product: Credit reporting or other personal consumer reports

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I also reserve the right to pursue legal action under 1681n and 1681o of the FCRA for noncompliance. 
Subject : Formal Dispute and Affidavit for Removal of Inaccurate Information Dear XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the following entries on my credit report, as they are inaccurate, unverifiable, and in violation of my consumer rights : ACCOUNT LISED BELOW Legal Basis for Dispute 1. Accuracy and Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. Reporting inaccurate or unverified information without adequate validation violates this section.

2. Reinvestigation of Disputed Information ( 15 U.S.C. 1681i ) : Under the FCRA, CRAs are obligated to conduct a proper reinvestigation of disputed items within 30 days. Information that can not be verified must be deleted promptly.

3. Willful Noncompliance ( 15 U.S.C. 1681n ) : Willfully failing to investigate disputes or continuing to report unverifiable or inaccurate information constitutes willful noncompliance. Consumers are entitled to actual damages, statutory damages, punitive damages, and attorney fees for such violations.

4. Obligations of Furnishers ( 15 U.S.C. 1681s-2 ) : Furnishers of information must provide evidence to substantiate reported data when requested during a dispute. Failure to validate or correct inaccurate information is a violation of federal law.

5. Removal of Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If the CRA or data furnisher can not provide proper documentation, the disputed item must be removed from the credit report. 
Affidavit of Dispute I XXXX XXXX XXXX hereby affirm under penalty of perjury that the following statements are true : 1. The disputed items listed above are inaccurate and/or unverifiable.

2. I have not received any evidence or documentation supporting the accuracy of these items.

3. Failure to resolve this dispute within 30 days of receipt of this letter will indicate willful noncompliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action I demand the immediate deletion of the aforementioned items from my credit report. If you believe the information is accurate, you must provide me with : 1. Copies of all documentation and records used to verify the account ( s ).

2. The name and contact information of the furnisher of the disputed data.

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I also reserve the right to pursue legal action unde

r 1681n and 1681o of the FCRA for noncompliance. Enclosures Copy of my identification ( Drivers License or Passport ). Proof of address ( Utility Bill or Bank Statement ). Highlighted copy of my credit report with disputed items. 
I expect written confirmation of the resolution of this matter within 30 days of receipt of this letter. Thank you for your prompt attention. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$1400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XX/XX/XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Open Account Status - Status updated Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XX/XX/XXXX Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment TRANSUNION XXXX Original creditor : XXXX XXXX XXXX  {$480.00} Balance updated XX/XX/XXXX XXXX Account info Account XXXX Account XXXX Original creditorXXXX XXXX XXXX  Company sold- Account typeOpen account Date openedXXXX XXXXXXXX, XXXX Status- Status updatedXXXX XXXX  Balance {$480.00} Balance updatedXXXX XXXX XXXX Paid off0 % Monthly payment- Past due amount- Terms- ResponsibilityIndividual account Your statement- XXXX Unknown payment history {$1400.00} Closed XXXX  Account info Account nameXXXX  Account XXXX Original creditor- Company sold- Account typeOpen account Date openedXXXX XXXX, XXXX Open/closedClosed StatusCollection account Status updatedXXXX XXXXXXXX Balance {$1400.00} Balance updatedXXXX  XXXX, XXXX Original balance {$1400.00} Monthly payment- Past due amount {$1400.00} Terms- ResponsibilityIndividual account Your statement- XXXX  Unknown payment history {$620.00} Closed XXXX Account info Account nameXXXX Account XXXX Original creditor- Company sold- Account typeRevolving account Date openedXXXX XXXXXXXX, XXXX Open/closedClosed StatusCharged off as bad debt Status updatedXXXX XXXXXXXX Balance {$620.00} Balance updatedXXXX XXXX, XXXX Credit limit $ 300 Monthly payment- Last Payment DateXXXX XXXX, XXXX Past due amount {$620.00} Highest balance {$620.00} Terms- ResponsibilityIndividual account Your statement XXXX XXXX Unknown payment history {$1000.00} Closed XXXX  Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeInstallment account Date openedXXXX  XXXX, XXXX Open/closedClosed StatusCharged off as bad debt Status updatedXXXX XXXXXXXX Balance {$1000.00} Balance updatedXXXX XXXX XXXX XXXX XXXX balance $ XXXX  Monthly payment- Last Payment DateXXXX XXXXXXXX, XXXX Past due amount {$1000.00} Terms8 Months ResponsibilityIndividual account Your statement XXXX XXXX Unknown payment history {$350.00} Closed XXXX  Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeInstallment account Date openedXXXX XXXX XXXXXXXX Open/closedClosed StatusCharged off as bad debt Status updatedXXXX XXXXXXXX Balance {$350.00} Balance updatedXXXX XXXX XXXXXXXX Original balance $ XXXX Monthly payment- Last Payment XXXX XXXX, XXXX Past due amount {$350.00} Terms6 Months ResponsibilityIndividual account Your statement