Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Outdated Information on Credit Report Dear Sir/Madam , I am writing to formally dispute outdated and inaccurate information on my credit report. I have noticed that my credit file contains old, closed accounts and outdated addresses, and employers that no longer reflect my current financial situation or residence. I am requesting your assistance in having this information removed or corrected in compliance with the applicable laws. There are also discrepancies in the payment history and balance between all 3 bureaus. 
Below is a summary of the disputed items : Closed Accounts : XXXX & XXXX XXXX XXXX XXXX, {$15000.00} Capital XXXX XXXX, {$5200.00} XXXX XXXX XXXX XXXX XXXX, {$11000.00} XXXX XXXX XXXX XXXX XXXX, {$6600.00} XXXX XXXX XXXX, {$3700.00} XXXX XXXX XXXXXXXX, {$2700.00} XXXXXXXX XXXX  XXXX. XXXX, {$500.00} XXXX XXXX XXXX, {$16000.00} XXXX XXXX XXXX, {$93000.00} XXXX XXXX XXXX. XXXX, {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX, {$6200.00} Outdated Addresses : XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Ct XXXX XXXX, XXXX IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX Outdated Phone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Outdated Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Credit Bureau ( s ) Reporting the Inaccurate Information : [ XXXX, XXXX, TransUnion ] The continued reporting of closed accounts and old addresses is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and up-to-date information. Specifically, the law requires the following : 1. Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated information should be removed from my credit report. This section specifically states that negative information, such as closed accounts that are no longer active or accounts that are outdated, must be removed after a certain period, typically seven years.

2. Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or outdated information on my credit report. If the information is not verified as accurate or current, it should be removed.

3. Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers are required to report accurate information to credit reporting agencies. This includes removing closed accounts and outdated addresses that are no longer relevant or valid.

These outdated accounts and addresses are causing potential harm to my credit report and credit score. I respectfully request that the CFPB assist me in ensuring these items are properly removed or updated to reflect the accurate and current information.

Please let me know if any further information or documentation is required to facilitate your investigation and resolution of this matter. 
Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX XXXX