Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX TransUnion Legal Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts & Request for Method of Verification To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my TransUnion credit report that have been repeatedly challenged but returned as verified without any proper method of verification being provided. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how this information was verified, including the name of the party that provided the verification and the specific method used. 



The following accounts contain inaccurate and unverifiable information : 1. XXXX XXXXXXXX ( Account # XXXX ) XX/XX/XXXX : Incorrectly reported as 120 days late. 

XX/XX/XXXX : Incorrectly reported as 120 days late. 

XXXX XXXX  XXXX ( Account # XXXX ) XX/XX/XXXX : Incorrectly reported as 30 days late. 

XX/XX/XXXX : Incorrectly reported as 30 days late. 

XX/XX/XXXX : Incorrectly reported as 120 days late. 

XX/XX/XXXX : Incorrectly reported as 120 days late. 

XXXX XXXX ( Account # XXXX ) XX/XX/XXXX : Incorrectly reported as 120 days late. 

XX/XX/XXXX : Incorrectly reported as 120 days late. 

XXXX XXXX ( Account # XXXX ) XX/XX/XXXX : Incorrectly reported as 30 days late. 

XX/XX/XXXX : Incorrectly reported as 30 days late. 

XX/XX/XXXX : Incorrectly reported as 60 days late. 

XX/XX/XXXX : Incorrectly reported as 60 days late. 

XX/XX/XXXX : Incorrectly reported as 90 days late. 

XX/XX/XXXX : Incorrectly reported as 90 days late. 

XX/XX/XXXX : Incorrectly reported as 90 days late. 

XX/XX/XXXX : Incorrectly reported as 120 days late. 

XX/XX/XXXX : Incorrectly reported as 120 days late. 

XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXX ) XX/XX/XXXX : Incorrectly reported as 120 days late. 

XX/XX/XXXX : Incorrectly reported as 120 days late. 

XXXX. XXXX XXXX ( Account # XXXX ) Payment history from XX/XX/XXXX to XX/XX/XXXX is listed with Xs and lacks proper reporting. 

XXXX. XXXX XXXX XXXX I have no knowledge of this company. I have never had any affiliation with them, nor have I signed any agreement with them. 

I am requesting : The purchase agreement The bill of sale The original contract with my signature The original amount of the debt The full account number The open and close dates Confirmation of whether the original creditor securitized this debt Also, Im disputing this Bankruptcy for the sixth time. Delete his immediately. The furnisher is XXXX, and there are no reporting of bankruptcy. XXXX XXXX XXXX XXXX XXXX File date XX/XX/XXXX. 


Under FCRA 611 ( a ) ( 7 ), I am requesting that TransUnion provide me with a detailed description of the procedure used to determine the accuracy and completeness of the disputed information, including : The name, address, and contact information of the entity that verified the data. 

The specific method and documents used to verify these accounts. 



If TransUnion can not provide this information, I request the immediate removal of these inaccurate and unverifiable accounts from my credit file. 



Failure to comply with this request within the required 30-day timeframe will result in further action, including potential legal remedies under the FCRA. 



Please provide your response in writing to the address listed above. 



Sincerely, XXXX XXXX XXXX