Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Closed, Charged-Off, and Fraudulent Accounts Due to Identity Theft from Credit Report Dear Sir/Madam , I am writing to formally dispute several entries on my credit report, including closed and charged-off accounts, as well as accounts related to identity theft. These accounts continue to inaccurately report balances or account activity, negatively impacting my credit score. The accounts in question have been closed, charged off, or are fraudulent and tied to identity theft. I have previously notified the credit bureaus regarding the fraudulent accounts, but no action has been taken to remove them. 

The following accounts are closed, charged off, or tied to identity theft : Credit Card Accounts : XXXXXXXX XXXX XXXX Balance : Not listed Last Balance Update : XXXX XXXX XXXX  Balance : {$4400.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX  XXXX Balance : {$0.00} Last Balance Update : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

Balance : {$530.00} Last Balance Update : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Rewards Balance : Not listed Last Balance Update : XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Update : XXXX Student Loan Accounts ( Dept of EducationXXXX ) : Dept of XXXX XXXX XXXX Not listed Last Balance Update XXXX XXXX Dept of EducationXXXX ( XXXX other entries similar to above ) Balance : Not XXXX XXXX XXXX Update : N/A Personal Loan Accounts ( Tied to Identity Theft ) : The following Affirm Inc. accounts are fraudulent and part of an identity theft case. I have previously notified the credit bureaus, but these accounts remain on my report. These accounts were opened without my consent and must be removed immediately : XXXX XXXX. 

Balance : {$70.00} Last Balance Update : XX/XX/year> XXXX XXXX. 

Balance : {$440.00} Last Balance Update : XX/XX/year> XXXX XXXX. 

Balance : {$150.00} Last Balance Update : XX/XX/year> XXXX XXXX. 

Balance : {$200.00} Last Balance Update : XX/XX/year> XXXX XXXX. 

Balance : {$420.00} Last Balance Update : XX/XX/year> XXXX XXXX. 

Balance : Not listed Last Balance Update : XXXX These fraudulent XXXX XXXXXXXX accounts are directly related to identity theft. I have provided notifications and supporting documentation regarding this theft, but the accounts have not been removed, which violates my legal rights under federal and state laws. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts and accounts involved in identity theft should not continue to report balances or account updates. The FCRA also stipulates that fraudulent accounts must be removed once notified. The continued reporting of these accounts, especially the fraudulent ones, violates this federal law. 

Identity Theft and Assumption Deterrence Act : Under this act, failing to remove fraudulent accounts after being notified is illegal. I have already notified you of the fraudulent XXXX XXXX accounts, yet no action has been taken to remove them, further violating federal law. 

Maryland Consumer Protection Act ( MD XXXX. XXXX XXXX XXXX ) : Maryland state law prohibits the dissemination of inaccurate or fraudulent information. The continued reporting of fraudulent accounts tied to identity theft is a direct violation of this law. 



Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.