Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy record appearing on my credit report under the file number [ XXXX ]. Upon my initial dispute and subsequent reinvestigation, this bankruptcy could not be verified accurately or reliably as required under the Fair Credit Reporting Act ( FCRA ). Despite this, it continues to be reported as verified, which raises significant concerns regarding your reinvestigation practices. ( See attachment ) Under Section 611 ( a ) of the FCRA, credit reporting agencies are required to conduct a reasonable investigation to verify disputed information. In this case, it is clear that your verification process was faulty, failing to ensure compliance with your obligations under the law. Specifically, the following consumer rights violations have occurred : 1. Failure to Conduct a Reasonable Reinvestigation : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information. By continuing to report the bankruptcy without a proper investigation or verification from the original source, you have failed to fulfill this requirement.

2. Reporting Inaccurate Information : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Reporting unverifiable or outdated bankruptcy information violates this standard.

3. Failure to Provide Adequate Notice to Furnishers : If you contacted any third parties to verify this information, you are required to notify me under 15 U.S.C. 1681i ( a ) ( 6 ). To date, I have not received adequate or specific documentation detailing how the bankruptcy was verified or the source of verification.

4. Negligence in Handling Consumer Disputes : The reinvestigation process demonstrated negligence by failing to ensure the completeness and accuracy of the reinvestigation procedures, which constitutes noncompliance with 15 U.S.C. 1681o and 15 U.S.C. 1681n.

5. Failure to Delete Unverifiable Information : According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be deleted. Your continued reporting of this unverifiable bankruptcy violates this provision.

Furthermore, I am aware of recent legal actions and settlements regarding flawed reinvestigation practices by credit reporting agencies. These proceedings highlight systemic issues that directly relate to my case.

Requested Action I demand the immediate deletion of this unverifiable bankruptcy record from my credit report in accordance with the FCRA. Additionally, please provide me with documentation proving the source and method used to verify this information during your reinvestigation process.

If this matter is not resolved promptly, I am prepared to escalate my complaint by filing grievances with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Furthermore, I reserve the right to pursue legal action to address these violations and seek damages as allowed under the FCRA.

Please confirm receipt of this letter within five ( 5 ) business days and provide a resolution within the legally required 30-day timeframe. 

Sincerely, XXXX XXXX