Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Removal of Inaccurate, Incomplete, and Improperly Reported Items Under the FCRA To Whom It May Concern, I am writing to dispute inaccurate, incomplete, and unverified information, as well as improper charge-offs, that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally requesting an investigation into the following accounts and the immediate removal of any information that can not be verified as accurate, complete, or legally permissible : Furthermore, I am a victim of the Date Breach. I wish to highlight the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case No. XXXX ), which underscores the necessity for credit reporting agencies to fully comply with their legal obligations regarding the accuracy and timely correction of consumer credit reports. 

1.This account is inaccurately reported as delinquent, or This charge-off is unlawful and unsupported by proper documentation. ] 2.The balance listed is incorrect, or The account lacks verification of my liability and should be removed. ] Under 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are obligated to ensure that all information reported is accurate, complete, and verifiable. Reporting unverifiable charge-offs or incomplete account information constitutes a violation of these provisions and my rights as a consumer. Additionally : Improper Reporting of Charge-Offs : If a charge-off is reported without legal grounds, such as a lack of proper documentation or verification of the debt, it is a direct violation of FCRA and may constitute illegal activity. Any attempt to charge me for an account that can not be verified is unlawful under federal law. 

Inaccurate or Unverified Data : As established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), credit reporting agencies must ensure that information is verified and accurate before continuing to report it. Failure to do so violates the FCRA. 



I hereby request that you : 1. Conduct a thorough investigation into the disputed items.

2. Provide me with detailed documentation verifying the accuracy, completeness, and legal legitimacy of the reported information.

3. Remove any items that are found to be inaccurate, incomplete, or unverifiable, including any improper charge-offs. 

To assist with your investigation, I have attached the following documentation : A copy of my credit report with the disputed items highlighted. 

Supporting documentation validating my claims. 

Screenshot of the Date Breach Under 611 of the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the disputed items can not be verified, you are required by law to remove them from my credit report immediately. Failure to comply with these obligations may result in further action, including a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or legal remedies under the FCRA.

You may contact me directly at [ your phone number ] or [ your email address ] for any additional information. I expect prompt attention to this matter, and I request a written response with the results of your investigation and an updated credit report.

Thank you for your time and cooperation. 



Sincerely, [ XXXX XXXX ]