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You may add it after receiving the PDF, however this means you will need to edit prior to printing You have the option of using the StealthDoc editor I created here First Name Last Name Full Address DOB SSN Email Choose a Credit Bureau Select Credit BureauEXPERIAN PO BOX 4500 ALLEN TX 75013EQUIFAX PO BOX 740256 ATLANTA GA 30374TRANSUNION PO BOX 2000 CHESTER PA 19016INSTRUCTIONS Enter the information for each creditor you are disputing, including name/account #, dispute reason, facts to support your argument (these will show immediately after the chosen dispute reason), and eOscar code. If you would like to use your own dispute reason instead of a built-in option, fill in creditor name/account #, skip the "Dispute Reason" and instead fill out "Add Facts", and choose an eOscar code Creditor Name, Acct# & Dispute Reason (Max of 10 Per Letter) Click the "+" to add a new one Name & Acct# Dispute Reason Supporting Facts eOscar code Choose a Dispute ReasonCOLLECTIONS – 3RD PARTYunknown collectionnot minebelongs to someone elsesection 609 states that you're required to send me the paperwork associated with this account. Furnish or removeyou didn't send anything to prove ownershipI need to see all paperwork associated with this accounthow can you say that you verified this account when I haven't even heard back from the collection agency?simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've "verified" this account withsection 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account cannot reportsection 623 states that the creditor cannot continue to report it when disputed, unless they have proof to the contraryI need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you cannot reportdelete this unverified and inaccurate accountthis account was never legally investigated or verified. You're reporting false infohow can there be late payments on this collection?how can there be a past due on this collection?Collection agency didn’t send me anything to verify this account, so how did you verify it? Where’s the documentation?Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediatelyWhy is the high balance lower than the balance on this collection? It’s impossible and needs to be removed!You have the wrong open dateThe open date is different on all 3 bureaus – this needs to be removedI don’t understand how you can say that this collection was verified, when I haven’t seen any documentation whatsoever. This is a violation of my rights under section 609!How is this collection verified, when I notified you that you’re reporting late payments and a past due on it?Why do I have to notify you that it’s a violation of the FDCPA to report a collection with a past due and/or late payments? LATE PAYMENTSI was never late on this accountpaid, never lateI paid on time but you're listing me as late - you need to update to paid as agreedplease send me the docs that prove that I was ever lateIf you can't prove that you had proof, you need to remove this late paymentthe first late payment listed on this account is wrong and you need to remove this accountremove due to inaccuracy - I never paid lateWhy do you report that I am 90 days late when there are no late payments prior to that? Delete this immediatelyI need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediatelyI wrote the creditor and they said that I was never late, so how can it be that you're reporting me as late? That makes no sense at alldate of last payment is wrongI can’t figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company – remove lates immediatelyPlease send me the proof that you ever did an investigation on this late paymentEach bureau has different info in the historical payment data – this is inaccurate and all lates need to be removedYou said that you verified this late payment but I sent you proof that I paid on time and I’m still seeing it on my credit report!Please remove this late payment because it’s inaccurate and pulling down my credit score!this student loan account needs to be removed immediately because the first late payment isn’t correct. This account is inaccurate!This account was transferred and I was never late with this new company, so you need to remove it from my credit report for reporting lates on an account I was never late on!Late payments on this collection are inaccurate and if you cannot furnish bank records that prove when my payments were accepted, the account needs to be removedINQUIRIESunknown inquiryillegal inquiryunverified inquiryinquiry has not been verifiedinquiry has not been validatedsection 609 states that you need to provide the application that was filled out when this account was openedyou need to remove this inquiry under section 604if the creditor couldn't send me anything, then what are you using to verify this inquiry?creditor didn't respondneither credit bureau responded, so how was this verified as accurate?where's the copies of the docs that were filled out when I supposedly applied for an account?I'm a victim of identity theft and I didn't apply for anything with this bankI notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my creditthe only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediatelynot mineI do not recall this inquiryI did not make this inquirythis inquiry is unknown and should be removedpermissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA –this doesn’t and needs to be removedI still haven’t seen a signed application, are you telling me that it’s legal for them to report this without it? Delete immediatelyI notified you that this inquiry doesn’t belong on my credit report and you didn’t do anything at all to verify. Delete immediatelyI notified you that I am a victim of identity theft and that this inquiry doesn’t belong to me – section 623 stipulates that this must be removed from my credit report!There’s literally no proof that this inquiry was initiated by me. Please remove immediatelyI know for a fact that you don’t have the application that was filled out, or even an IP trace, so HOW was this inquiry verified? Where’s the proof? This is a violation; delete immediatelyYou’ve continued to violation my rights by stating this has been verified. I contacted the creditor and was notified that you NEVER verified anything with them! Remove this inquiry immediately because there’s no paperwork that verifies I ever obtained credit or a firm offer of credit from this company. There’s no permissible purpose!JUDGMENTS/LIENSunknownnot mineI didn't file thisbelongs to someone elsewrong filing date3 different filing dates2 different filing dateswrong court nameinaccurate court namerecent changes to the law mandate that my personal info report per each public record. Due to the fact that there's no personal info reported, you must immediately remove from my credit report!wrong plaintiffyou have the plaintiff reported wrong and this needs to be removedhow did you verify this as accurate when each bureau reports something different?where's the paperwork that belongs to this, that would verify the accuracy? Remove immediatelyI need to see all paperwork associated with this account. Failure to furnish is a violation of the FCRAthe other credit bureau removed this, so why are you still reporting it?the other bureaus removed this account, so why are you still reporting it on my credit file? Where's the paperwork?I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removedI am a victim of identity theft and this is not mineWhere’s my personal info that’s required to be on this account? I don’t see my name, social or anything else! Delete this immediatelyI need for you to send me the actual court paperwork for this and if you can’t furnish it, then you’re reporting false info and that’sillegal IDENTITY THEFTnot minedoes not belong to mebelongs to someone elsesection 605B states that if this account is the result of identity theft, then it must be removed from my credit report. Please removeI've disputed this account with an affidavit, letter and police report and yet, you're still reporting it. I need for you to remove this account immediately unless you have proof to the contraryI disputed this account with the creditor and they notified me that they have nothing under my information so I don't get how you're verifying this account - remove it immediatelyI need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediatelythese accounts don't belong to meI've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theftYou didn’t send me anything at all that would verify the accuracy of this account. I notified you that I am a victim of identity theft and this must be removed immediatelyContinuing to report this on my credit is a violation of the FCRA unless you can legally verify it! Where’s the proof that you evenPlease send me all signed (by me) applications and other documentation to prove that this account belongs to meI told the creditor that this account doesn’t belong to me and they didn’t respond. Having said that, how did you verify this?Why are you still reporting this account on my credit when I sent you the police report, affidavit and dispute letter?I can’t see how it’s legal that you’d continue to report this auto account on my credit when #1 it resulted from identity theft #2 you never verified it and #3 the other bureaus removed it!I need to see all paperwork with my signature that verifies this account as mine. In addition, I need to see all docs that prove you even did an investigation into this identity theft. Without it, this is false reportingSection 623 states that if an account can possibly be fraud, the creditor cannot continue to report without proof. Where’s this “proof” showing my signature? Where’s your proof of investigation?Congress states that you’re required to perform an independent investigation to determine the accuracy of an account. I notified you that this doesn’t belong to me and you did nothing. Delete this immediatelyI submitted enough information for you to determine and agree that this account resulted from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence.How’s it even legal that you state this is verified, when it’s fraud? How’s it legal that the creditor sent me a 1099 for this account that was never applied for, obtained or used by me? Delete immediately!REPOScreditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didn't receive this paperwork and you need to remove this account immediatelymonthly payment reported on this closed account - how can there be a monthly payment on an account that's not even open?you have the wrong balance - remove this account immediatelydate of last payment is wrongdate of last activity is wrongstatus update date shows that this account wasn't even investigated, remove account3 different open dates reported3 different date of last activity dates reportedthis account can't possibly have been verified because the status update date has not changed. You need to remove this immediatelythis account has illegally been re-aged. Removebought by a collection agency but still shows a balancebought by a collection agency but still shows a past duebought by a collection agency but still shows a monthly paymentcollection and creditor both show balancesdate of last payment is different on each bureauhigh balance is lower than balancebalance is higher than high balanceI’m absolutely appalled that you would continue to report this auto account that does NOT belong to me, after I’ve submitted enough info to prove it AND the other bureaus removed it!Remove immediately for the following reasonsI never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and it’s a violation to continue reporting it!You didn’t do a proper investigation and I can see that this account wasn’t even updated in the “status update” date. It’s a violation to continue reporting! • I asked for the documentation to prove this account belongs to me and you didn’t send me anything. It’s a violation to continue reporting an unverified and disputed account!COLLECTION – DEBT BUYERI don't know what this isthis doesn't belong to mewrong creditorwrong balancethis was paid but still has a balancewhy is there a past due on this account?why are there late payments on this account?I disputed with the collection agency and they said they don't have record of this accountaccount is reporting that it will come off AFTER the statute of limitations have expiredthis account was not legally verifiedI sent a dispute to the collection agency and they said they would remove this account but I am still seeing it on my credit reportwhere's the proof that I had a legal obligation to pay this company and that this is my account?this account is the result of identity theft and I have no legal obligation to pay this company and it doesn't belong on my credit report3 different dates listed under "date of last activity"3 different dates listed under "date of last payment" but I've never paid this companyI need to see the paperwork that proves this collection agency owns this account, because otherwise, I see no legal obligation to pay themWhy are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right?This account shows that it was transferred, but why is there a past due reported on this account? This is a violationThe collection agency and creditor are both reporting balances – this is double jeopardyWhy is this reported on my credit when the original creditor didn’t verify the debt? How does that even make sense?This collection agency bought an outdated debt and then re-aged the account so that it would stay on my credit report!The date of last activity was re-aged when this collection agency falsely stated that it was “verified”. This needs to be removed immediately!Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says “verified” doesn’t change this fact!Please remove this unknown and unverified account – you sent me nothing at all to prove ownershipThis account is outdated – it should have been removed automatically and yet, it shows as if it’s a new account!The original account was never verified; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediatelyThe original account was paid and yet, this collection continues to report with a balance. You need to remove this immediately!This account was paid, and yet, there’s no “date of last payment” listed. Remove for inaccuracyThe original account shows late payments AFTER this account was sold to a collection agency. This account cannot report on my credit fileThe original account shows a balance even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a past due even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a monthly payment even though it was sold to this collection agency. This is double jeopardy – remove accountYou need to remove this collection immediately because the original account doesn’t state that it was soldCHARGE-OFFSthis account does not belong to methis account has the wrong balancethis creditor does not own this accountthis account was sold but still reports a balancedoesn't show transferred/sold but does not say paid and doesn't have a balanceeach bureau reports a different date of last activityaccount has been re-agedI disputed this account and nothing was sent to me to legally verify this accountmonthly payment reported on closed accountdifferent dates listed under "date of last payment"account shows different creditor namesI never had an account with this creditorcreditor stated they would remove this after payment and it's still on my credit reportI sent you proof directly from the creditor that this would be removed and does not belong on my credit report but I am still seeing it listed!how can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says "now paying, was charged-off"!this was paid but I am still seeing a balancethe past due is wrongthe balance is higher than the high balancethe high balance is lower than the balancethere shouldn't be any late payments after the account was closed!why am I seeing years of late payments after the "close date"? It's not possible to be late on a closed account!This account is outdated and needs to be removedPlease send me all business and transaction documents to prove that this account was legally verifiedStating that this account was “verified” does not change the fact that it’s still reporting inaccurately and needs to be removedHow was this sold to a collection agency when it was not legally verified? Is that even legal?How can this still report on my credit when I notified you that it was paid and they said they’d remove it?I received notification from the creditor that they couldn’t find record of this account, so how did you come back and say that it was verified as accurate?You can’t send me something saying that you will not reinvestigate this account, when it is still reported inaccurately! Delete immediately for negligenceI disputed the balance and you said that it’s accurate, and yet there’s no paperwork to support your claimUnverified and illegal reporting, remove immediatelyAccount was included in bankruptcy, remove immediately for inaccuracyDoesn’t report paid, transferred or sold and yet, there’s no balance. This account is invalid and needs to be removedWhy are there late payments AFTER this was sold to a collection agency? Remove immediatelyThe original account shows a past due even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a monthly payment even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a balance even though it was sold to this collection agency. This is double jeopardy – remove accountWhy doesn’t the status say that this was paid if there’s no balance? Delete for inaccuracyI paid for this account and yet, the date of last payment isn’t reporting accurately! RemoveThis is a paid charge-off but shows that it was settled. Delete immediateThe comments state that the high balance is the limit but that’s not correct! Delete immediately, because this has my “limits”reported wrong!Account has been re-aged and shows 2 different years in the date of last activity! Remove for violationAccount has been re-aged and shows 3 different years in the date of last activity! Remove for violationHow can there be different years listed in the date of last activity?! This is the date that stipulates when my account will naturally fall off!You haven’t updated this account to show the date it was paid in the historical payment data; delete immediately for inaccuracyYou have the wrong date listed for when this was paid in full. Remove accountYou have the wrong date listed for when I was first late on this account, remove from my credit reportWhy are there so many “late payments” listed on this account prior to when I paid it? You can’t report late payments on a closed account! FORECLOSURESthis account does not belong to methis account has the wrong balancethis creditor does not own this accountthis account was sold but still reports a balancedoesn't show transferred/sold but does not say paid and doesn't have a balanceeach bureau reports a different date of last activityaccount has been re-agedI disputed this account and nothing was sent to me to legally verify this accountmonthly payment reported on closed accountdifferent dates listed under "date of last payment"account shows different creditor namesI never had an account with this creditorcreditor stated they would remove this after payment and it's still on my credit reportI sent you proof directly from the creditor that this would be removed and does not belong on my credit report but I am still seeing it listed!how can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says "now paying, was charged-off"!this was paid but I am still seeing a balancethe past due is wrongthe balance is higher than the high balancethe high balance is lower than the balanceshould not say foreclosureforeclosure was paidwhy does this have late payments years after the account was closed? This is a violation!BANKRUPTCYbankruptcy does not belong to mebankruptcy filing date is wrongremove this bankruptcy because there are 2 different fling datescourt name is not accurate - each bureau must report the actual name of the court, followed by [city, state]. Remove immediatelyI asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this?You're required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification?I need for you to send me the petition to verify this account. If you cannot do that, then this needs to be removedI need for you to send me the petition to verify this account. If you cannot do that, then this needs to be removedyou have the wrong docket numberthis was filed in my name by someone else and was fraud - remove immediatelyI've submitted proof that this is not my signature on the petition - you need to remove this immediatelyYou've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPBThese accounts were not included in a bankruptcy and need to be removedWhy are these listed as included in bankruptcy, when there’s no bankruptcy reported on my credit?The court has sent me an affidavit swearing that they do NOT verify or validate any public records with you. Delete this unverified account immediatelyCongress states that you’re required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!I sent you handwriting samples to prove that these bankruptcies do not belong to mePlease remove this bankruptcy – the filing date shows a year that is not in this centuryYou do not have the legal court name reported accurately – it must actually stated “US BANKRUPTCY COURT, CITY, STATE”STUDENT LOANSthis account has the wrong balancethis creditor does not own this accountthis account was sold but still reports a balancedoesn't show transferred/sold but does not say paid and doesn't have a balanceeach bureau reports a different date of last activityaccount has been re-agedI disputed this account and nothing was sent to me to legally verify this accountmonthly payment reported on closed accountdifferent dates listed under "date of last payment"account shows different creditor namesI never had an account with this creditorcreditor stated they would remove this after payment and it's still on my credit reportI sent you proof directly from the creditor that this would be removed and does not belong on my credit report but I am still seeing it listed!how can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says "now paying, was charged-off"!this was paid but I am still seeing a balancethe past due is wrongthe balance is higher than the high balancethe high balance is lower than the balancethere shouldn't be any late payments after the account was closed!why am I seeing years of late payments after the "close date"? It's not possible to be late on a closed account!how's it possible that you've reported me 90 days late with no late payments prior to that?I was never late on this accounteach bureau reports that I was late on a different date - remove for inaccuracyNavient was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removedNavient was sued for not applying payments correctly to consumer accounts - please remove these late paymentsYou have all of these dates reported as being “late” but how is that possible, when this account was closed? Delete it!You’re required to report this account as transferred. Delete itThe date that you have as “late” isn’t correct. Delete this accountI need to see all records pertaining to the verification or validation of this account to prove that there was an actual investigation. Without it, you need to remove it!I know you didn’t verify this collection or even bother to reach out to the creditor. You need to remove this unverified account immediatelyWhere’s the proof that you did an independent investigation? Where’s the proof that you didn’t just repeat what they told you?This account was re-aged and shows different YEARS in the date of last activity! Delete immediatelyAccount is missing the date last activityAccount is missing the date of last paymentYou have the wrong date of last paymentYou have the wrong date of last activityWhy are you reporting late payments that are different than the other 2 bureaus?Why are you reporting this account when the other bureaus removed this?I need to see all signed-by-me paperwork to prove the validity of this account reportingYou’re required to report the notice of dispute under section 623. Without it, this account cannot continue to report!Unless a creditor has proof to the contrary that this account belongs to me, section 623 states that it cannot continue to report!CHILD SUPPORTI asked for you to legally verify this account and yet, all you’ve done is send me “statements”. Anyone can create a statement! This is not legal verificationI need to see all documentation that would prove that you verified this account or did any sort of investigation on it. Failing that, you need to remove this accountI understand that your job is to make sure that you make as much money off my credit report as possible, BUT you’re mandated by federal law to make sure it’s accurate! Delete this account immediatelyI need to see all paperwork that proves you did an independent investigation. I need proof that you didn’t just send an electronic response to the creditorI can see that the date updated date did not change. This means that there was never an investigationI see that you’re still reporting a monthly payment on this CLOSED account. Delete immediatelyWhy have you reported this as accurate, when there was nothing that you sent to me that was legal verification?You need to validate this account immediatelyI’ve submitted CFPB complaints against you for continuing to report an unverified accountMissing date of last paymentWrong date of last paymentMissing date of last activityWrong date of last activityWrong account typeMissing required notice of disputeSection 623 states that you’re required to enter a notice of dispute. This account is missing this notice and it must be removed entirely from my credit report Select ReasonNot his/hersBelongs to another individual with same/similar nameNot aware of collectionLate due to change of address - never received statementSettlement or partial payments acceptedClaims paid the original creditor before collection status or paid before charge-offCredit Limit and/or High Credit amount incorrectIncluded in the bankruptcy of another personClaims account closedClaims account closed by consumerContract canceled or rescindedAccount included in bankruptcyClaims active military dutyInsurance claim delayedAccount involved in litigationClaims victim of natural or declared disasterClaims account deferredNot liable for account (i.e., ex-spouse, business)Account reaffirmed or not included in bankruptcyClaims true identity fraud/account fraudulently openedClaims account take-over, fraudulent charges made on accountDisputes Dates of Last Payment/Opened/of First Delinquency/Billing/ClosedDisputes present/previous Account Status/Payment History Profile/ Payment RatingDisputes Special Comment/Compliance Condition Code/narrative remarksDisputes Account Type or Terms Duration/Terms Frequency or Portfolio TypeDisputes current balanceClaims company will changeClaims company will deleteClaims inaccurate information I have read and agree to the Terms and Conditions and Privacy PolicyCreate Letter