Product: Credit reporting or other personal consumer reports

Dear Factor Trust Information Services, I am writing to express my concerns about the validity and accuracy of your recent investigation regarding account information on my credit report. I requested an investigation because I believe the item is not being reported legally. On [ Insert Date of Response ], I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation. 

I challenge the validity of the following accounts and all associated information : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Account Status : Closed - Account Balance : {$480.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX - Account Status : Closed - Account Type : Unsecured - Balance : {$130.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Account Status : Closed - Account Type : Secured Loan - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Account Status : Closed - Account Type : Sales Contract - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Sales Contract - Account Status : Open - Original Balance : {$240.00} - Balance : {$230.00} - Date Opened : XX/XX/XXXX XXXX. **XXXX XXXX** - Account Number : XXXX - Account Status : Open - Account Type : Credit Card - Balance : {$430.00} - Date Opened : XX/XX/XXXX XXXX. *XXXX** - Account Type : Charge Card - Account Status : Open - Balance : {$320.00} - Date Opened : XX/XX/XXXX I challenge the account status, account type, balance, date opened, and addresses associated with these accounts. I have contacted the data furnishers, and none of them could validate or verify any of the information you are reporting on my credit report. As such, this information has not been properly verified with the data furnishers. 

Please address the following questions regarding your investigation : 1. What did your representatives uncover that led them to believe this item is being reported as it legally should be?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all information transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company reporting the information to confirm the accuracy of what you are reporting? 
- If you reply yes to the above, then : - Who did you speak with? 
- What was the date? 
- How long was the conversation? 
- What was their position? 
- What number did you call? 
- What is the name of your employee that spoke directly to the above party? 
- What is the position of your employee that spoke to the above party? 
- How long has that individual been employed by your company? 
- What type of training was provided to this employee to investigate items of this kind? 
- Were there any emails or written communications between employees of your company and the above party? If so, please provide copies of all correspondence and any conclusive documentation proving that you conducted a reasonable investigation of the account ( s ) in question.

7. Please provide the date of the commencement of delinquency.

8. Please provide the specific date when reporting of this item will cease.

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming that the information provided is true and correct as per my civil rights granted under several federal laws. This information should not be a form letter response.

My initial dispute was detailed and directly related to the account ( s ) in question. A template response will not be acceptable. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware, this information will come out through my formal discovery process and necessary depositions. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX