Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Reinvestigation of Inaccurate Credit Reporting Dear Sir/Madam , I am writing to formally dispute and request a reinvestigation of inaccurate information contained in my credit reports with the three major credit bureausEquifax, Experian, and TransUnion. Upon reviewing my credit reports, I have identified several errors, including inaccurate hard inquiries and closed, charged-off accounts that are incorrectly reported as active or past due with several missed payments. 
Specifically, the following discrepancies need immediate correction : Inaccurate Hard Inquiries : I have noticed that there are multiple unauthorized or mistaken hard inquiries listed on my reports. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, inquiries must be accurate, and any unauthorized inquiry must be removed from my report immediately. I am requesting that these inaccuracies be removed and that my credit reports reflect only authorized inquiries. 
Closed, Charged-Off Accounts : I have identified accounts that have been reported as closed or charged off inaccurately. These accounts may have been reported incorrectly in terms of status, balances, or dates of closure. I request a thorough reinvestigation into these accounts. Under the FCRA ( 15 U.S. Code 1681i ), I am entitled to accurate reporting, and I am requesting that the bureaus investigate these accounts in detail and correct any errors. 
Furthermore, I would like to bring to your attention that for these closed, charged-off accounts, I never received a 1099-C ( Cancellation of Debt form ), which is required by law to be issued when a debt is forgiven or canceled. The IRS guidelines mandate that creditors must issue a 1099-C form when canceling a debt of {$600.00} or more. As a result, the reporting of these charged-off accounts may not only be inaccurate but also fail to meet legal requirements for proper tax documentation. I am requesting that these accounts be thoroughly reviewed and removed from my credit report unless a valid XXXX has been issued and documented in accordance with the law. 
Accounts in question are : I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Inquiry from XXXX XXXX # XXXX on XXXX never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from SXXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX # XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
In compliance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the credit bureaus conduct a full reinvestigation of these items. I also expect a timely response to this dispute, as stipulated in 15 U.S. Code 1681i ( a ) ( 1 ), which requires the credit bureaus to investigate and correct any inaccuracies within 30 days of receiving my dispute. 
As a consumer, I am entitled to receive free access to my credit report under the Fair and Accurate Credit Transactions Act ( FACTA ). 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 
Sincerely, XXXX XXXX XXXX