Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Equifax 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 * Subject : Dispute of Inaccurate Information on Credit Report Dear [ Equifax XXXX, XXXX, XXXX XXXX XXXX ], I am writing to formally dispute inaccurate information found on my credit report as provided by your agency. In accordance with 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1666b, I request the immediate investigation and correction or removal of the following items, which I believe to be inaccurate, incomplete, or unverifiable. 

# # # Negative Accounts XXXX. XXXX XXXX Bank XXXX Equifax, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Equifax, XXXX, XXXX # # # Collections XXXX. XXXX XXXX Equifax, XXXX, XXXX Reason for Dispute - Under 15 U.S. Code 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit report. The items listed above fail to meet this standard and must be corrected or deleted after verification. 

- Under 15 U.S. Code 1681i ( 5 ) : If, after a reinvestigation, the items listed are found to be inaccurate or unverifiable, they must be promptly deleted or modified. I demand the immediate removal of these items based on this requirement. 
- Under 15 U.S. Code 1666b : Billing errors or inaccurate credit information, including items placed in dispute, must be corrected promptly to ensure fair credit reporting. These inaccuracies place an undue burden on my financial reputation and liability. 

I am providing supporting documentation to facilitate your investigation. I also request that you provide me with the results of your reinvestigation, along with all evidence and records relied upon to verify the accuracy of the disputed information. 

Required Action 1. Remove or correct the listed inaccuracies from my credit report. 
2. Provide written confirmation of the changes made or justification if the information is verified as accurate. 
3. Cease reporting these disputed items to any third parties until the dispute is resolved. 

Enclosed are copies of my identification, proof of address, and my credit report with disputed items highlighted. If this information can not be verified within the legally 15 Day mandated timeframe, I respectfully request its immediate removal. 

Thank you for addressing this matter promptly. Please confirm receipt of this dispute at your earliest convenience. 


Enclosures : - Copy of Drivers License/ID - Proof of Address ( Utility Bill or Bank Statement ) - Credit Report with Disputed Items Highlighted -- - RE Equifax 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 Equifax Credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) Highlighted the obligation of credit bureaus to thoroughly reinvestigate disputes under the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Confirmed the importance of accuracy in consumer credit reports. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Established that credit bureaus must ensure reasonable procedures in handling disputes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforced the credit bureaus duty to conduct a genuine reinvestigation process.