Product: Credit reporting or other personal consumer reports

TO : Experian, Equifax, TransUnion CC : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney General, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX SUBJECT : FINAL DEMAND FCRA VIOLATIONS & FAILURE TO INVESTIGATE DISPUTE To Whom It May Concern, This is my FINAL DEMAND before taking legal action against your company for willful violations of the Fair Credit Reporting Act ( FCRA ) and failure to conduct a proper investigation into a fraudulent collection account. 

The following inaccurate and unverified collection account remains on my consumer report : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$3600.00} Account Number : XXXX Date Reported : XX/XX/year> ( Reinserted ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$450.00} Account XXXX : XXXX I have repeatedly disputed this account, yet your company has falsely claimed it is verified. When I requested a proper investigation and removal, your representatives refused to assist me and stated you can not do anything else. 

THIS IS A DIRECT VIOLATION OF FEDERAL LAW. I WILL HOLD YOU ACCOUNTABLE. 



CREDIT BUREAUS ARE VIOLATING MULTIPLE FCRA SECTIONS 2 FCRA 623 ( a ) ( 3 ) REPORTING INACCURATE INFORMATION KNOWINGLY ALL OTHER CREDIT BUREAUS AND RENTAL SCREENING AGENCIES HAVE REMOVED THIS ACCOUNT, YET YOU REFUSE TO DO SO. 
This proves that this account is fraudulent and unverifiable, yet you continue to report it as verified. 
By knowingly reporting false information while other agencies have corrected it, you are in direct violation of the FCRA. 

LEGAL REQUIREMENT : If other reporting agencies have removed the account due to a lack of verification, you are required to do the same. 

PENALTY : Each inaccurate report carries financial damages, and I will be seeking full compensation in court. 




2 FCRA 623 ( a ) ( 3 ) REPORTING INACCURATE INFORMATION KNOWINGLY You know that XXXX XXXX XXXX has failed to validate this debt. 
Yet, you continue to report it as verified without legitimate evidence. 
This is a willful violation of the FCRA and makes your company legally liable. 

LEGAL REQUIREMENT : Any account that can not be properly verified must be permanently removed. 

PENALTY : Each inaccurate report carries financial damages, and I will be seeking full compensation in court. 



3 CREDIT BUREAUS CAN NOT IGNORE DISPUTE RESPONSIBILITIES UNDER FEDERAL LAW I was informed that nothing else can be done regarding my dispute. This is FALSE. 

Under FCRA 611 ( a ) ( 1 ), you have a continuing legal duty to investigate and correct inaccurate reporting. 
Your company is not above federal law, and I will take full legal action if you fail to comply. 

BY LAW, YOU CAN NOT SIMPLY CLOSE A DISPUTE AND REFUSE TO ASSIST ME. 

PENALTY : Willful noncompliance with the FCRA can result in statutory damages, punitive damages, and regulatory penalties. 



FINAL DEMAND REMOVE THIS ACCOUNT WITHIN 48 HOURS OR FACE LEGAL ACTION IMMEDIATELY DELETE this fraudulent collection from my credit report.

Provide me with written confirmation of removal within 48 hours.

Send me an updated screening report via email once this account has been removed. 
Provide me with an updated consumer report reflecting the removal. 



IF YOU FAIL TO COMPLY, I WILL IMMEDIATELY File a formal complaint against your company with the FTC, and Texas Attorney General. 
Initiate a lawsuit against your company for willful FCRA violations, seeking financial damages. 
Expose your companys failure to uphold consumer rights on XXXX, XXXX, and social media. 

THIS IS YOUR FINAL WARNING. YOU HAVE 48 HOURS TO COMPLY OR FACE FULL LEGAL CONSEQUENCES. 

Sincerely, XXXX XXXX