Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Tell : XXXX Date : XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate and Incomplete Information exposure to Data breach and Request for Removal Dear EXPERIAN, I am writing to dispute negative items on my credit report that are inaccurate, incomplete, and unverifiable. Additionally, I believe that the integrity of my personal information has been compromised due to a data breach involving the following known data breach amongst other breach of personal information including social security number. 


-Date XX/XX/XXXX Full Name XXXX XXXX XXXX Breach Date Found XX/XX/XXXX Dark Web Breach Name XXXX  -Date XX/XX/XXXX Type Breach Date Found XX/XX/XXXX Source Dark Web Breach Name XXXX  -Date XX/XX/XXXX Full Name XXXX XXXX Type Breach Date Found XX/XX/XXXX Source Dark Web Breach Name : XXXX further calling into question the validity of these records. I request an immediate investigation and removal of these inaccuracies within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Disputed Items : Personal information incorrect on report address incorrect apartment. 
Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account shows as personal loan. [ XXXX, XXXX, XXXX ] which is incorrect as creditor is XXXX XXXX and consent was not given to transfer account as a personal loan that was never received. payments on accounts were made in part of a consolidation are incorrect Amount reported owed is inaccurate. 

[ XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX : Consent was not given to original creditor by law, I am disputing the entire debt as i never agreed to the terms of the loan or credit agreement, and therefore, do not owe the money. 
" lack of consideration '' in legal terms. 

[ XXXX  Account number XXXX Company sold to XXXX  XXXX This account should be removed from credit report as is still open and was sold to XXXX  XXXX on XX/XX/XXXX therefore this account should be removed as a closed account. 


[ XXXX Account number XXXX This account was reported as theft back in XXXX should be removed from credit report as it was not myself who opened account. 

XXXX XXXX  Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Credit card Status Paid in settlement. {$4200.00} This account information is inaccurate as it states settled but still receive calls from collectors. 


XXXX XXXX  Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XXXX XXXX Account type Credit Card Status Paid in settlement. {$4000.00} written off. 

This account information is inaccurate as it states settled but still receive calls from collectors requesting to settle. 

XXXX XXXX XXXX. 
Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX This account has incorrect information as it states is written off but it was part of settlement, still receive letters from creditor. 

XXXX XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Charge Card Status Paid in settlement. {$1600.00} written off. 

This account is incorrect as creditor amount owed is incorrect. 

XXXX XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Charge Card Status Paid in settlement. {$1200.00} written off. 

This account is incorrect as creditor amount owed is incorrect. 

XXXX  Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Unsecured Status Paid in settlement. 

This account is incorrect as creditor amount owed is incorrect as it also states it was settled. No confirmation of settlement received. 


Legal Justification : Under the FCRA, credit reporting agencies must ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ) and must promptly investigate any disputed items ( 15 U.S.C. 1681i ). Several case laws affirm these obligations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The court held that credit reporting agencies must conduct a reasonable investigation when a consumer disputes an item. Failure to do so violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The ruling emphasized the duty of credit reporting agencies to ensure accuracy and adopt procedures to prevent errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reinforced that reporting incomplete or inaccurate information constitutes a violation of the FCRA. 
In light of the data breach involving my personal information, it is also your responsibility under 15 U.S.C. 1681c-1 to address and rectify any potential misuse of my information to ensure my credit reports accuracy and security.

Requested Actions : Conduct a thorough investigation into the disputed items and verify their accuracy. 
Remove all inaccurate, incomplete, or unverifiable negative items from my credit report. 
Address discrepancies caused by the data breach and take necessary steps to safeguard my information. 
Provide written confirmation of your investigation results and a free updated copy of my credit report reflecting these corrections. 

Supporting Documentation : To assist with your investigation, I have enclosed the following : A copy of my credit report with disputed items highlighted. 
A copy of my identification and proof of address.

Compliance Timeline : As stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to complete your investigation and notify me of the results within 30 days of receiving this letter. Failure to comply may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm receipt of this letter and provide a resolution within the 30-day timeframe. 
Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX