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

To whom it may concern : This letter is a formal complaint that you report inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request proof of this alleged item, specifically proof that these payments were late. By the provisions of the consumer protection laws, I demand that if unable to do so or lack proof of these payments being late please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the descriptions of the procedures used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of our reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

I understand that you must validate these items within the reporting creditor for accuracy. Please remove any information that the creditor can not verify I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 


I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

The FCRA requires you to verify the item 's validity within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed you a letter disputing ( inaccurate and/or incomplete information contained in consumer reports. 

records, you received my dispute letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and [ modify or delete ] the disputed information as I requested before, the end of the 30-day period on the date you received the dispute letter. 

Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/XXXX, claiming. 

the information was verified without providing the requested and required documentation. 

Clearly, you have failed to [ modify or delete ] the disputed information as I have requested. In place of [ modifying or deleting| the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because /whatever they said here. 

However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information in my consumer file as per the FCRA. Furthermore, it is an intentional and/ores negligent FCRA violation XXXX 

As a result of your conduct, you shall promptly ( modify or delete ) the disputed information. Additionally, as an FCRA, you are liable to me for damages for your conduct. I am now part of a class-action lawsuit with XXXX XXXX with my information being used and will be using these letters to show that my credit inaccuracies are due to the failure of the XXXX XXXX. 

Please send me an updated copy of my credit report to the above address. 


Thank you, XXXX XXXX