Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Investigation of Identity Theft Charge-Off Account Dear EXPERIAN, I am writing to dispute and request an investigation into a charge-off account appearing on my credit report, which is the result of identity theft. I recently discovered that my personal information was unlawfully used without my consent, leading to the creation of this fraudulent account. 

I have reason to believe My Identity was STOLEN back in or around XXXX. Multiple accounts including this one were opened with my information that I had no knowledge of. This account was fraudulently opened in or around XXXX of XXXX ( More specifically XX/XX/XXXX ). This account is NOT mine. And ever since XXXX of XXXX ( XX/XX/XXXX ), it has been negatively impacting my credit and personal life. 


CHARGE-OFF ACCOUNT : CREDITOR : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX CREDITOR ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX NUMBER : ( XXXX ) XXXX Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements. 

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law. 

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution. 

On top of information being invalid and fraudulent. I have reported and disputed account multiple times, even called the company the account is through and tried to plea with them to remove it. The account is not mine, and I explained that to the credit companies and bureaus. It is negatively effecting my credit to where XXXX cant even get a credit card, loan, even as much as a auto loan myself. I have no car and cant get XXXX because of this account. 

REMOVE THIS ACCOUNT IMMEDIATELY! IT HAS NO REASON TO BE ON MY CREDIT. And is effecting my livelihood very negatively. 

BELOW ARE DOCUMENTS THAT WILL SUPPORT THIS REASONING. 

DL ( PROOF OF IDENTITY & ADRESS ) SSN ( PROOF OF IDENTITY ) POLICE REPORT ( PROOF OF IDENTITY THEFT ) BANK STATEMENT ( PROOF OF ADDRESS ) PHONE BILL ( PROOF OF ADDRESS ) 7. Contact information : XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter and request that you promptly investigate the fraudulent charge-off account resulting from identity theft. Please provide a written response detailing the outcome of the investigation and any necessary actions I should take to resolve this issue. 

Thank you for your cooperation in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX