Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Re : Request for Removal of Inaccurate or Negative Accounts from My Credit Report Account Number ( XXXX ) : XXXX Date of Report:XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate or negative information regarding the following account ( s ) on my credit report. Upon reviewing my report, I have found errors or outdated information which I believe is not in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information on consumer credit reports is accurate, complete, and verified. If an item is found to be inaccurate or unverifiable, it must be removed. Furthermore, under the case XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that reporting agencies are obligated to investigate disputes promptly and correct inaccuracies. 

I request that you investigate the following disputed accounts and either provide verification of their accuracy or remove them from my report : XXXX XXXX XXXX XXXXXXXX This account was opened without my consent. I spoke to the agent XXXX ID number XXXX. He stated the card was mailed out to an address that Im not aware of and this account was reported as fraud. This account is showing as a negative account on my credit score and it is affecting me. The reporting amount is {$900.00} the original amount for this account is {$300.00} per the agent. 
XXXX XXXX XXXX XXXX XXXXXXXX : Remove due to account amount being in accurate and that is proof attach showing the amount that was left to be paid on this account. The reporting amount is {$2300.00}. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : This account balance was paid in full for the amount of {$220.00} and this account was close or transfer to a new apartment with a XXXX balance. Attach is the letter of proof showing the last mouth and closing date of this account. 
XXXX. XXXX XXXX XXXX : this account belong to my XXXX spouse XXXX XXXX XXXX XXXX he open this account to get his phone and other items and promise to pay this account. We divorce on XX/XX/XXXX and he was held responsible to repay any debt that was accumulated in the married. 
XXXX XXXX XXXX is the write full person responsible for this account. The reporting amount is {$2300.00}. 

If you can not provide evidence of the accuracy of these accounts, I ask that you remove the entries from my report to comply with the guidelines set forth in the FCRA and as supported by the decision in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court affirmed that if a credit reporting agency fails to investigate a dispute or remove unverifiable information, the consumers credit report must be corrected. 

Please respond in writing within 30 days of receipt of this letter, in accordance with the FCRA. 
Should you fail to respond, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX