Product: Credit reporting or other personal consumer reports

Dear, CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report.

I have been a victim of your unfair practices and demand the immediate removal of these negative accounts. 

I have been directly affected by multiple violations of the law committed by your company, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to your negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of your errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file. 

Violations Committed by Your Company XXXX. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors.

XXXX. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Some negative accounts that were previously removed have reappeared on my report without justification or prior notification.

XXXX. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged.

XXXX. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice.

Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported and that I demand be immediately removed from my credit report : [ XXXX XXXX XXXX XXXX XXXX Partial Account Number : XXXX ) Late Payments Reported : XX/XX/XXXX I have disputed it for late payments that I have not made and they have not removed it. I never had any late payments on this account. 
[ XXXX XXXX ] ( Partial Account Number : XXXX ) Late Payments Reported : XXXX XXXX I have disputed it for late payments that I have not made and they have not removed it. I never had any late payments on this account. 
[ XXXX  XXXX ] _ ( Partial Account Number : XXXX ) Late Payments Reported : XXXX XXXX I have disputed it for late payments that I have not made and they have not removed it. I never had any late payments on this account. 

I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} XXXX and has sued Experian for these same practices, your company has already been found guilty of these violations. 

Therefore, I demand the following : XXXX. Immediately remove all negative accounts listed in this letter. 
XXXX. Provide me with an updated credit report reflecting these changes. 
XXXX. Cease any reinsertion of incorrect information in my credit history. 

If you fail to comply with this request within the legal XXXX period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages. 

I have attached copies of supporting documents for my claim and look forward to your prompt response.