Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX SS # XXXX Phone : XXXX XXXX XX/XX/XXXX Consumer ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Request for Account and Inquiry Deletions To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the information listed on my consumer file with ChexSystems and Early XXXX XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate deletion of the following accounts and inquiries, as they contain inaccurate or unverifiable information. 

Disputed Accounts : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date : XXXX Number : XXXX / XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date : XXXX Number : XXXX / XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Number : XXXX / XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dates : XX/XX/XXXX and XXXX Numbers XXXX XXXX / XXXX Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Number : XXXX Dates : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Number : XXXX Dates : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Telephone Number Not AvailableInquiry Date : XX/XX/XXXXXXXX XXXX XXXXAddress : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXPhone Number : Telephone Number Not AvailableInquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Number : XXXX Number Not AvailableInquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Number XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Number : Telephone Number Not AvailableInquiry XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXddress : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXPhone Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Number : XXXX Dates XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Legal Basis for Deletion : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to investigate disputed information within 30 days. If the information can not be verified as accurate and complete, it must be promptly deleted or corrected. Furthermore, inquiries that do not meet the permissible purpose criteria outlined in Section 604 of the FCRA ( 15 U.S.C. 1681b ) must also be removed.

Action Requested : Delete the accounts listed above from my consumer file as they are inaccurate or unverifiable.

Remove all listed inquiries that lack a permissible purpose or were conducted without my explicit consent.

Provide me with written confirmation once these corrections have been made, as well as an updated copy of my consumer file.

Failure to address this dispute in compliance with the FCRA will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX