Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Credit Report Entries and Request for Investigation Dear Sir/Madam, I am writing to formally dispute inaccurate and negative information on my credit report, as provided by XXXX, related to multiple accounts that I believe were improperly reported and not properly investigated as required by federal law. I am requesting immediate correction and deletion of these accounts due to the failure to properly investigate my claims as outlined under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The accounts in question are listed below, and I assert that they do not belong on my credit report based on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Issue : I previously filed a dispute with XXXX regarding the above-mentioned accounts. However, despite the requirements under the Fair Credit Reporting Act ( FCRA ), my dispute was not handled appropriately. According to the FCRA, specifically 15 U.S.C. 1681i, the credit reporting agency is required to conduct a reasonable investigation into any disputed information on my credit report. In this instance, I believe XXXX failed to perform a thorough or proper investigation, and this has led to the continuation of inaccurate entries. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure they are reporting accurate and verifiable information. I believe these collections accounts have been reported in violation of this requirement, and it is my right to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX : Further, I am aware of a recent legal action against XXXX for not fulfilling its obligations under the FCRA. This lawsuit highlights the company 's failure to investigate and correct errors in consumer reports. As a result, I am requesting that these accounts be removed from my report immediately, as they are inaccurate, unverifiable, and have not been substantiated by proper investigation as required by the law. 

XXXX XXXX XXXX Request for Removal : Due to the failure of XXXX to properly investigate the disputed entries and the negative impact these accounts have had on my credit, I request that you delete the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX am also requesting that any negative information related to these accounts be corrected or removed from all credit reporting agencies to reflect the true status of my credit history. 

XXXX XXXX XXXX Legal Basis for Removal : Under 15 U.S.C. 1681i ( a ), if a dispute is found to be inaccurate, the credit reporting agency must remove or correct the information within a reasonable time frame. Furthermore, the FDCPA ( 15 U.S.C. 1692e ) prohibits debt collectors from reporting inaccurate information. The continued reporting of these accounts after my dispute is a violation of these consumer protection laws. 

XXXX XXXX XXXX Conclusion : I request that you initiate an investigation into the improper reporting of these accounts and ensure compliance with the applicable consumer protection laws. Failure to do so will leave me no choice but to take further action to protect my rights, including escalating this dispute to the appropriate regulatory authorities. 

Please confirm receipt of this letter and provide me with a written response indicating the actions you plan to take in addressing this issue. 

All my correspondents should be via email. 

Thank you for your immediate attention to this matter. 


Sincerely, XXXX XXXX