Product: Credit reporting or other personal consumer reports

XXXX Subject : Formal Demand for Verification and Correction of Inaccurate Reporting To Legal Compliance Department, I am writing to formally address my concerns regarding your violation of the Fair Credit Reporting Act ( FCRA ), specifically in relation to your failure to conduct proper investigations into the accuracy of the information being reported on my credit file. The lack of proper verification of the disputed accounts has caused me significant damage to my credit score, hindered my ability to obtain credit, negatively affected my business transactions, and, most importantly, tarnished my personal reputation. 

According to the Fair Credit Reporting Act, Congress has established that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence essential to the continued functioning of the banking system. Furthermore : 1 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

2 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

3 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Without such verification, anyone paying for your reporting services could potentially submit fraudulent accounts, which undermines the accuracy and integrity of consumer credit reports. 

I hereby demand to see verifiable proof namely, the original consumer contract bearing my signature that you have on file for the accounts listed below. Your failure to positively verify these accounts has directly harmed my ability to obtain credit. In accordance with the FCRA, any unverified accounts must be promptly removed from my credit report. Should you fail to provide verifiable proof, I demand the immediate removal of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : 2 missed payments ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant 15 USC 1692e ( b ) 2. XXXX XXXX - Notes : 2 missed payments ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant 15 USC 1692e ( b ) 3. XXXX XXXX XXXX - Notes : 6 missed payments ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant 15 USC 1692e ( b ) 4. XXXX XXXX XXXXXXXX - Notes : 15 missed payments ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant 15 USC 1692e ( b ) 5. XXXX - Notes : 1 missed payment ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant 15 USC 1692e ( b ) 6. XXXX XXXX XXXX XXXX Notes : 1 missed payment ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant 15 USC 1692e ( b ) 7. XXXX XXXX  XXXX XXXX Notes : 1 missed payment ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant to 15 USC 1692e ( b ) 8. XXXX XXXX - Notes : 3 missed payments ( Never late )- Please update accurately to " Paid as Agreed. '' or Delete account pursuant 15 USC 1692e ( b ) I am requesting that you provide the physical lawful verification of each account mentioned above. Should you fail to provide the original signed contracts, I demand the removal of the accounts in question from my credit report immediately. 

Failure to comply with this formal request will result in further actions to protect my consumer rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Attorney General, Federal Trade Commission ( FTC ) and pursuing legal remedies as allowed by law. 

Regards, XXXX XXXX