Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Subject : Dispute of Unauthorized Fraudulent Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my Experian credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

After reviewing my credit report, I discovered the following accounts that were not initiated by me : Account Name : XXXX XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : {$2200.00} ( Charge-Off ) Account Name : XXXX XXXX XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : {$3400.00} ( Charge-Off ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX : XX/XX/XXXX, XXXX : {$93.00} ( Collection Account ) Inquiries : Inquired on XX/XX/XXXX, XXXXBusiness Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Type : All Banks - non specic XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Type : Auto Financing Companies XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXBusiness Type : Auto Financing Companies XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Type : Auto Financing Companies XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Type : Auto Financing Companies XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Type : Automobile Dealers, Used XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specic XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Type : Auto Financing Companies XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX INCORRECT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Actions Taken to Protect My Identity : I filed a police report concerning this identity theft. 
I have contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts. 
I submitted an identity theft report to the Federal Trade Commission ( FTC ), which I have included with this letter. 

Documents Enclosed : A copy of my government-issued ID ( e.g., driver 's license or passport ). 
A recent utility bill or official mail showing my current address. 
FTC Identity Theft Affidavit.

Request for Fraud Alert or Security Freeze : Along with the removal of the fraudulent accounts, I request that a fraud alert be placed on my credit report or, if necessary, a security freeze to prevent further unauthorized activity. Since I have already filed an identity theft report, this request is in line with 15 U.S.C. 1681c-1.

Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within 30 days of receiving this letter. I expect that the fraudulent accounts will be removed from my credit file without delay. Should you fail to conduct a proper investigation or respond within the prescribed timeline, I will pursue further actions to protect my rights, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse. 
Once the investigation is completed, I would appreciate written confirmation that these fraudulent accounts have been removed from my credit report. I also request that any associated inquiries or derogatory marks linked to these accounts be eliminated from my file. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. If additional documentation or information is required from my side, please contact me. 
Sincerely, XXXX XXXX XXXX