Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported : 1. Please remove the following unverified and unauthorized late payments from my credit report, immediately : XXXX XXXX 1 late payment {$0.00} Balance updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Credit Card Status Open. 
Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Credit usage 9 % Monthly payment {$190.00} Last Payment Date XX/XX/XXXX Highest balance {$1400.00} Terms - Responsibility Individual Contact info XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX late payments {$3600.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX  Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Line of Credit Status Open. 
Balance {$3600.00} Balance updated XX/XX/XXXX Credit limit {$4000.00} Credit usage 90 % Monthly payment {$180.00} Last Payment Date XX/XX/XXXX Highest balance {$4000.00} Terms - Responsibility Individual Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. Please remove the following unverified and unauthorized inquiries from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate on behalf of XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Business on behalf of XXXX XXXX XXXXXXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 

Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX Enclosures : SSN, Drivers License, Mortgage Statement