Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] RE : Dispute Request and Demand for Reinvestigation under FCRA 15 U.S.C. 1681i ( a ) ( 7 ) To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report with Experian XXXX and XXXX, I demand reinvestigation per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). I have a right to expect credit reporting agencies to conduct a fair, impartial, and thorough reinvestigation of these disputed items, as codified by federal law. Failure to do so violates my rights under the FCRA, and I expect nothing less than compliance with both the letter and spirit of the law.

The FCRA mandates that consumer reporting agencies toperform reasonable investigations when a consumer disputes the accuracy or completeness of information contained in their credit file. Specifically, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a prompt reinvestigation of the disputed items. Additionally, Experian is obligated to review all relevant information that I have provided and report the findings to me. 

I hereby dispute the following items and request immediate reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments when account has been paid off. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments when account has been paid off, XXXX XXXX XXXX XXXX {$900.00} balance when acct has been paid off, XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX {$570.00}. 
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, and unauthorized inquiries such as : 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 Please be advised that numerous court decisions support the need for thorough reinvestigations by credit reporting agencies. For instance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, established that consumer reporting agencies must go beyond the original source when the consumer has furnished reliable evidence that the original source XXXX be unreliable or inaccurate. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the importance of reasonable procedures to assure maximum possible accuracy and set a precedent that credit reporting agencies are liable for inaccuracies that affect consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reaffirms that credit bureaus have a responsibility to reinvestigate disputed information diligently. 
Considering these cases, Experian is required by law to take my dispute seriously and perform a reinvestigation that is more than a mere cursory check with the original furnisher of the information. The reinvestigation must be objective, thorough, and result in an accurate representation of my creditworthiness. 

Please provide me with written confirmation of the reinvestigation 's results within the 30-day time frame, as well as an updated copy of my credit report if any changes are made. Failure to fulfill your statutory obligations will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action if necessary. 

Thank you for your prompt attention to this matter. I expect immediate compliance with federal law, as well as Experians full commitment to resolving my dispute with accuracy and integrity. 

Sincerely, [ Your Full Name ] [ Your Contact Information : Email and Phone Number ]