Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, and I am requesting its immediate removal as required under 15 U.S.C. 1681c-2.

Legal Violations Violation of 15 U.S.C. 1681b Reporting Without My Consent The FCRA explicitly states that consumer reports can only be furnished for permissible purposes with the consumers express written consent. I never provided any consent for this account to be reported on my credit file. Since my authorization was never obtained, the reporting of this account is an unjustified violation of my rights under the FCRA.

Violation of 15 U.S.C. 1681c-2 Unauthorized Information Must Be Blocked This section mandates that once a Federal Trade Commission ( FTC ) Identity Theft Report is submitted, the credit bureau must block the disputed information within four ( 4 ) business days of receiving the report. The account in question was reported without my authorization, making it improper and unauthorized under the law and requiring immediate removal. 

Unauthorized Information to Be Removed The following information has been reported on my credit file without my authorization and must be blocked and permanently removed immediately : XXXX XXXX XXXX Under 15 U.S.C. 1681c-2, I am exercising my legal right to request that this unauthorized information be blocked immediately from my credit report. The FCRA requires that this information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Lack of Response and Harm Caused I have made multiple attempts to resolve this issue with the credit bureau, but my efforts have been ignored. 

This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities. 

The accounts in question have already been removed by other credit bureaus, yet they remain in my file with your bureau, raising concerns about compliance with FCRA guidelines. 

I have previously requested contracts or documentation proving that I provided consent for this reporting, yet after more than 60 days, I have received no response. 
Requested Actions Immediate blocking and removal of the unauthorized account from my credit report.

Written confirmation that the disputed information has been deleted.

Assurance that this information will not be reinserted into my credit report in the future.

I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which serves as evidence of my formal dispute regarding this unauthorized reporting. 

If this issue is not resolved within the legally required timeframe, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) and will consider pursuing legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). 

I expect immediate compliance with FCRA regulations and prompt removal of the disputed information.