Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX tx [ City, State, ZIP Code ] XXXX XXXX XX/XX/year> **Subject : ** Formal Dispute of Inaccurate Account Reporting Under the FCRA Dear XXXX I am writing to formally dispute the reporting of accounts on my credit report that lack account numbers, resulting in incomplete and inaccurate information. Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to accurate and verifiable information in my credit file. The reporting of accounts without account numbers violates the following provisions of the FCRA : 1. **15 U.S.C. 1681e ( b ) ** : Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Accounts without account numbers can not be verified for accuracy, making this reporting inherently incomplete and unreliable.

2. **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** : As a consumer, I have the right to dispute any information that I believe is inaccurate or incomplete. You are required to conduct a reinvestigation within 30 days and delete or correct any unverifiable information.

3. **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ** : If the investigation finds that the information is incomplete or can not be verified, the information must be promptly deleted or corrected. 

# # # **Accounts in Dispute : ** [ List the accounts as they appear on your credit report, including any available identifiers, such as creditor names or partial account numbers. ] XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NAME XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX  ( none of these account numbers are on my credit report and at this point I don't know who to even call about these accounts XXXX XXXX XXXX XXXXMy Request : ** - Remove all accounts from my credit report that lack account numbers, as their incomplete reporting renders them unverifiable and inaccurate. 
- Provide me with written confirmation of the actions taken regarding these accounts. 
- Supply an updated copy of my credit report reflecting these corrections.

I have attached a copy of my credit report with the disputed accounts highlighted for your reference.

Failure to address this matter in compliance with the FCRA may result in further action, including complaints filed with the **Consumer Financial Protection Bureau ( CFPB ) ** and legal remedies under **15 U.S.C. 1681n** ( Willful Noncompliance ) or **15 U.S.C. 1681o** ( Negligent Noncompliance ).

Thank you for your prompt attention to this matter. I look forward to your response within the statutory 30-day period. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX*Attachments : ** 1. A copy of your government-issued ID.

2. Proof of your current address ( e.g., utility bill, lease agreement ).

3. A copy of your credit report with the disputed accounts clearly marked. 

Thank you, XXXX XXXX