Product: Credit reporting or other personal consumer reports

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 Subject : Formal Dispute of Inaccurate Credit Report Information Dear XXXX Consumer Relations, I am writing to formally dispute inaccurate information contained in my credit report, which I recently obtained from XXXX on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and correction of the following inaccurate items. 

XXXX. Incorrect Personal Address My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, the report lists multiple outdated or incorrect addresses that should not be associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have not resided at these addresses, and they should be removed immediately.

2. Incorrect Employer Information My current employment details are inaccurately reported. The following employer should be removed : XXXX XXXX XXXX  ( Verified : XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XXXX ( Verified : XX/XX/XXXX ) I do not work for these employers, and this information should be corrected. 
XXXX. Account Errors XXXX XXXX XXXX ( Collection Account ) Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Reported Balance : {$1200.00} ( Reported : XX/XX/XXXX ) Status : XXXX ( Estimated removal date : XX/XX/XXXX ) I dispute the validity of this account. I request that XXXX verify the original agreement with my signature. If verification can not be provided, the account must be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Late Payments : XXXX  days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX days late : XX/XX/XXXX XXXX days late : None I have always made my payments on time, and I request that you correct this reporting or provide proof of delinquency. If proof can not be provided, the derogatory marks must be removed. 
5. Department of Education/Nelnet ( Incorrect Balance Reporting ) Account Number : XXXX Balance : {$140000.00} ( Updated : XX/XX/XXXX ) Pay Status : Current ; Paid or Paying as Agreed Discrepancy : The reported high balance history is inconsistent and fluctuates inaccurately. I request a correction or verification. 
Request for Resolution Pursuant to the FCRA, I request the following : A full investigation into the disputed accounts and corrections to my credit file. 
Written confirmation once the disputed items have been verified or removed. 
An updated credit report reflecting these corrections. 
Enclosed are copies of my identification and supporting documents to verify my claims. I expect a response within 30 days, per the FCRA. 

Thank you for your prompt attention to this matter. Please send written confirmation of the resolution to the address listed above. 

Sincerely, [ XXXX ]