Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute several inaccuracies on my credit report as prepared by Experian, Equifax, and TransUnion. I am requesting that you immediately correct and/or delete the following items from my credit report, as they do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete report, and I am asserting my legal right to have these items corrected.

Please be advised that I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, which requires you to investigate these matters thoroughly. I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed lawsuits against Equifax and Experian for conducting sham investigations, and I expect a thorough and complete investigation of each disputed item as per the law. Failure to resolve these disputes accurately may result in further legal action.

1. Issue : Misspelled Names - Relevant Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Demand : I am disputing the misspelling of my name listed in your records. Specifically, my name is listed as XXXX instead of XXXX in some instances. This is an error that needs to be corrected. I demand that you delete all instances of the misspelled name and ensure that my correct name appears on all future reports. 

2. Issue : Collection Accounts- Account 1 : XXXX XXXX XXXX XXXX  Balance : {$1700.00} - Status : Collection - Relevant Law : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) - Demand : This account is being reported as a collection, which I dispute. Please verify the validity of this debt and provide me with proof of the debt and the creditor. If you can not verify the account in accordance with the law, I demand immediate removal of this account from my credit report. 

3. Issue : Charge-Offs - Account XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relevant Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Demand : If any charge-offs appear on my credit report that are incorrect or unverifiable, I demand they be deleted from my credit file. 

4. Issue : Late Payments - Account : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX  - Relevant Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Demand : I dispute the accuracy of the late payment entries listed on the above account ( s ). If you can not verify the late payments with proper documentation, I demand the removal of these late payments from my credit file. 

5. Issue : Inaccurate Inquiries - Relevant Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) ( 1 ) - Inquiries : - 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 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  ) - Demand : I am disputing these hard inquiries that were made on my report. If you can not provide proof of my consent for these inquiries or they do not meet the legal requirements for reporting, I demand that you remove these inquiries from my credit report immediately.

6. Issue : Public Records - Relevant Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 2 ) - Demand : If there are any public records or judgments reported that are inaccurate or outdated, I demand their immediate removal from my credit file in accordance with the law. Specifically, any judgments over XXXX XXXX XXXX should be deleted. 

7. Account 2 : XXXX XXXX - Balance : {$19000.00} ( Past Due ) - Status : Collection - Relevant Law : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) - Demand : This account is also disputed. Please validate the information, as I have no knowledge of this debt. If you fail to provide adequate verification within the required 30-day period, I demand that you remove this collection account from my credit report immediately.