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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX This letter is a formal complaint that you are reporting inaccurate credit information on my report. By reporting this information, you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

CREDITORS AND ACCOUNTS TO BE REMOVED : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 3. The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 4. The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 10. The following personal information is incorrect Employers : XXXX XXXX 11. XXXX XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

12. XXXX  XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX  XXXX  NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

13. XXXX/XXXX  XXXX XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

14. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX  FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

15. XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

16. DEPT OF EDUCATION/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX  NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

17. DEPT OF EDUCATION/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

18. DEPT OF EDUCATION/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

19. DEPT OF EDUCATION/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

20. DEPT OF EDUCATION/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

21. XXXX/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

22. XXXX/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX  XXXX  NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

23. XXXX/XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

24. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX  XXXX  NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

25. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

26. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX  XXXX  NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

27. XXXX XXXX XXXX  XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

28. XXXX XXXX XXXX  XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX  XXXX  NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

29. XXXX XXXX  Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 
Please remove this account from my credit report immediately. It has caused quite bit of damage and forward me an updated credit report after you have completed your Investigation and corrections.

Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX