Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX  XXXX XXXX, TX. XXXX Subject : Formal Dispute and Request for Deletion of XXXX XXXX Account in Violation of FCRA Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of a closed XXXX XXXX account on my credit report. The account in question is : Account Number : I believe this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Under 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written consent. I have no record of providing such consent regarding the reporting of this account.

2. Additionally, under 15 USC 1666b, a creditor may not treat a payment on an open-end consumer credit account in a way that results in inaccurate reporting or an unfair representation of my credit history. 

I request that you investigate this matter promptly and remove the closed XXXX XXXX account from my credit report as it has been reported without compliance with the provisions outlined above. 

Per FCRA, you are required to investigate and respond to this dispute within 30 days of receipt. I also request written confirmation of the results of your investigation and any corrective actions taken.

To assist in your investigation, I have included : A copy of my credit report with the disputed account highlighted.

A copy of my government-issued ID and proof of address for identity verification.

If this issue is not resolved to my satisfaction, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal remedies as allowed under federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the legally required time frame. 

Sincerely, TransUnion XXXX XXXX XXXX  XXXX, XXXX XXXX Subject : Formal Dispute and Request for Deletion of XXXX XXXX  Account in Violation of FCRA Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of a closed XXXX XXXX  account on my credit report. The account in question is : Account Number : I believe this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Under 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written consent. I have no record of providing such consent regarding the reporting of this account.

2. Additionally, under 15 USC 1666b, a creditor may not treat a payment on an open-end consumer credit account in a way that results in inaccurate reporting or an unfair representation of my credit history.

I request that you investigate this matter promptly and remove the closed XXXX XXXX  account from my credit report as it has been reported without compliance with the provisions outlined above. 

Per FCRA, you are required to investigate and respond to this dispute within 30 days of receipt. I also request written confirmation of the results of your investigation and any corrective actions taken. 

To assist in your investigation, I have included : A copy of my credit report with the disputed account highlighted. 
A copy of my government-issued ID and proof of address for identity verification. 

If this issue is not resolved to my satisfaction, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal remedies as allowed under federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the legally required time frame. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Request for Deletion of XXXX XXXX Account in Violation of FCRA Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of a closed XXXX XXXX account on my credit report. The account in question is : Account Number : I believe this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Under 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written consent. I have no record of providing such consent regarding the reporting of this account.

2. Additionally, under 15 USC 1666b, a creditor may not treat a payment on an open-end consumer credit account in a way that results in inaccurate reporting or an unfair representation of my credit history. 

I request that you investigate this matter promptly and remove the closed XXXX XXXX account from my credit report as it has been reported without compliance with the provisions outlined above.

Per FCRA, you are required to investigate and respond to this dispute within 30 days of receipt. I also request written confirmation of the results of your investigation and any corrective actions taken.

To assist in your investigation, I have included : A copy of my credit report with the disputed account highlighted.

A copy of my government-issued ID and proof of address for identity verification.

If this issue is not resolved to my satisfaction, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal remedies as allowed under federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the legally required time frame. 

Sincerely,