Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, MD XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccurate Addresses on Credit Report Immediate Removal Requested To Whom It May Concern, I am writing to formally dispute multiple inaccurate addresses that have been reported on my credit file by [ Experian, Equifax, and/or TransUnion ]. These addresses have never been associated with me, nor have I ever used them in any financial transactions. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting the immediate removal of these erroneous addresses from my credit report, as they are inaccurate, unverifiable, and potentially damaging to my financial standing.

Disputed Addresses : Erroneous Addresses to Be Removed Immediately 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 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 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 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 Legal Basis for Dispute : Violation of FCRA Duty to Ensure Maximum Possible Accuracy Under FCRA 1681e ( b ), consumer reporting agencies are required to maintain accurate and up-to-date information. Reporting incorrect addresses fails this obligation and misrepresents my credit history.

Failure to Provide Notice of Address Discrepancy FCRA 1681c ( h ) I have never been notified about these incorrect addresses. If these addresses
were reported by data furnishers, the credit bureaus have failed to properly investigate and notify me of any address discrepancies, violating federal regulations.

Potential Identity Theft Concerns FCRA 605B These addresses could be indicative of fraudulent activity or identity theft, which could significantly impact my credit profile. Under FCRA 605B, if information can not be verified, it must be blocked or deleted from my credit report immediately.

Harm Caused by These Errors : Denial or delay in obtaining credit, housing, and financial services. 
Increased scrutiny from lenders and potential lenders due to inconsistencies in my credit profile. Negative impact on my creditworthiness and financial stability.

Unnecessary time and effort spent resolving these inaccuracies.

Requested Resolution : Immediate removal of all incorrect addresses from my credit file.

A detailed written statement explaining how these addresses were added and the furnishers that provided them. A full investigation and verification of all addresses on my credit report, ensuring only accurate information remains. 

An updated copy of my credit report confirming these corrections. 
Under FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus have 30 days to investigate and resolve disputes unless additional verification is required. Failure to comply with this request may result in legal action, including but not limited to a formal complaint with the Federal Trade Commission ( FTC ), the State Attorney Generals Office, and potential litigation for damages incurred due to these inaccuracies. 

Please confirm receipt of this dispute and provide written confirmation of all corrections made. I can be reached at XXXX or XXXX for any further communication. 

Sincerely, XXXX XXXX XXXX, MD XXXX