Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information under FCRA and FDCPA I am writing to formally dispute inaccurate and/or incomplete information that appears on my credit report and to request validation of any alleged debt associated with the disputed information, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

**1. Dispute of Inaccurate Information ( FCRA ) ** Under Title 15 U.S.C. 1681 and Title 15 U.S.C. 1681c, I request that you investigate and remove the following inaccurate or unverifiable information from my credit report : - Account Name/Number : [ Account Name/Number ] 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX - Issue : [ Describe the inaccuracies , such as wrong balance, incorrect payment history, or ownership of account. ] According to the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the information reported. If the information can not be verified, it must be promptly deleted or corrected. 



Please complete your investigation within 30 days as required by law and provide me with a written response detailing the results of your investigation.

**2. Request for Debt Validation ( FDCPA ) * If the above-mentioned account involves alleged debt collection activity, I hereby exercise my rights under Title 15 U.S.C. 1692g to request validation of the debt. Specifically, I request : - The amount of the debt ; - The name of the original creditor ; - Documentation to verify that I am responsible for the debt ; - A copy of the agreement that authorizes you to collect on this debt, if applicable.

Until proper validation is provided, I request that all collection efforts cease as required under the FDCPA. Reporting inaccurate or unvalidated information to credit reporting agencies is a violation of federal law.

These documents are provided solely to facilitate your investigation and do not constitute an acknowledgment of liability or responsibility for the disputed information.

**Response Timeline** Under the FCRA and FDCPA, you are required to respond to this dispute within 30 days ( or 45 days if I have recently received my free annual credit report ). Please send your written response to the address provided above.

Failure to comply with these requirements may result in legal action to enforce my rights under federal law.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter in writing. 



Sincerely, XXXX XXXX