Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report and Request for Action Dear Sir/Madam , I am writing to formally dispute the inaccurate information that remains on my credit report that I believe is harming my financial well-being. After I have submitted proper evidence of fraud, including filing an ID theft report with the Federal Trade Commission ( FTC ), and providing all necessary documentation to your respective credit reporting agencies. I have requested that your offices investigate and remove the fraudulent entries from my report, but I have received no sufficient explanation, and the disputed items remain. 
Recently the CFPB filed a lawsuit against Experian and Equifax for failing to investigate consumer disputes properly. The CFPB alleged that Equifax and Experian violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : 1. Conducting inadequate investigations that failed to address consumer disputes properly.

2. Reinstating previously disputed and inaccurate information without explanation.

3. Failing to notify consumers about investigation results effectively.

These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on my credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

The inaccurate information includes fraudulent accounts that were never opened or authorized by me. I have provided clear documentation to demonstrate that these entries are fraudulent, including an official ID theft report filed with the FTC and other supporting evidence. Despite this, your agency has failed to provide an adequate investigation process or an explanation for your conclusion that these entries were " verified. '' Relevant Legal Provisions and Requirements : Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to accurate information on my credit report. Specifically : XXXX XXXX XXXX XXXX XXXX XXXX mandates that, upon receiving notice of a dispute, the credit reporting agency must conduct a reasonable investigation into the disputed information and remove any inaccurate, incomplete, or unverifiable information. 
Under XXXX XXXX. XXXX, if fraudulent information is identified, the agency must block this information from the report upon notice of identity theft or fraud. 
XXXX XXXX. XXXX ( a ) further stipulates that furnishers of information are required to provide accurate reporting and must investigate any disputes raised by consumers. 
The Fair and Accurate Credit Transactions Act ( XXXX ) ( Public Law XXXX ) also requires that consumers have the right to dispute inaccurate or fraudulent information and that it must be investigated, especially in the case of identity theft. 
Request for XXXX XXXX under the FCRA, you are required to : XXXX a proper investigation into my disputes. 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 accurate. Ensure that inaccurate or unverifiable information is corrected XXXX 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. 
I am requesting that each of the above credit reporting agencies immediately conduct a full investigation into the disputed items and remove any fraudulent accounts from my report. I have submitted the required ID theft report and evidence to substantiate my claim. 
Please provide me with a written explanation of the investigation process and findings, as well as a copy of the results of your investigation per FCRA XXXX ( a ) ( XXXX ). 
If you continue to verify the disputed entries as accurate, I demand a detailed explanation of the basis of that verification. 
According to the FCRA, credit bureaus are required to complete investigations within 30 days from the receipt of a dispute ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). This time frame must be adhered to. If you are unable to provide a detailed and satisfactory response within this time frame, I will pursue all available legal avenues, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
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 other agencies and take legal actions that is allowed by all laws that protect consumers against these unlawful practices. Please treat this letter as a formal request for you to remove the inaccurate and fraudulent information from my credit report immediately. If you fail to do so, I will not hesitate to take further legal action to ensure my rights are upheld under the FCRA and other applicable laws. 
I look forward to your prompt response and to the correction of the information as required by law. 
Sincerely, XXXX XXXX XXXX