Product: Credit reporting or other personal consumer reports

Heres a formal dispute letter you can use as a template : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Failure to Investigate Inaccuracies on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccuracies on my credit reports and express my dissatisfaction with the failure of Experian, XXXX, and XXXX to properly investigate and address these issues. I submitted my dispute on XX/XX/XXXX, regarding accounts and information appearing on my credit report that were the result of identity theft. 

As part of my dispute submission, I provided all necessary documentation, including a copy of my FTC Identity Theft Report ( filed due to the XXXX data breach ), proof of identity, and supporting evidence to demonstrate that the information in question is fraudulent. Despite this, the inaccuracies remain on my credit reports, and I have not received any meaningful resolution or acknowledgment of proper investigation. 

Disputed Items XXXX XXXX XXXX Charge off Account # : 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 Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXXXXXX XXXX  Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Please remove all addresses, phone numbers, and previous names listed prior to my divorce from XXXX XXXX XXXX from my record. 


My up-to-date address, phone number and name are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Regards, XXXX XXXX XXXX Supporting Documentation I have included the following with this letter : A copy of my FTC Identity Theft Report. 
Proof of my identity ( e.g., government-issued ID and proof of address ). 
Documentation supporting my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation of disputes and remove inaccurate or unverifiable information. Failure to comply with this obligation is a violation of federal law. 

I request that Experian, XXXX, and XXXX : 1. Conduct a thorough investigation into the disputed items.

2. Remove all fraudulent information resulting from the identity theft from my credit reports.

3. Provide a written confirmation of the investigation results within 30 days of receipt of this letter.

If these issues are not resolved promptly, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary.

Please acknowledge receipt of this dispute and keep me informed of your progress. I expect a resolution within the legally mandated time frame.