Letterfy180 Scenario Letters Letterfy180 Scenario Letter Creator Click here for the Step-by-step how-to guide for Letterfy180 After receiving this letter, it is highly recommended that you use an AI text re-phraser to "spin" the text after receiving the PDF delivery to ensure 100% unique text. A few examples are: Max.ai Chrome extension, openai, Chugzi You will receive PDF delivery via email after hitting the "submit" button. This form is set up to allow you to add your confidential data to this form, as the data is immediately deleted from the database, which means nothing is saved. *You do NOT have to add your address, SSN or DOB to this letter. 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 Address DOB SSN Email Date of Letter Choose a Credit Bureau Select a Credit BureauEXPERIAN PO BOX 4500 ALLEN TX 75013EQUIFAX PO BOX 740256 ATLANTA GA 30374TRANSUNION PO BOX 2000 CHESTER PA 19016Choose a Letter Select a LetterHello there! I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed the roof of current address that you require. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. To make deletion easier here is a list of the incorrect spellings and addressesThe FCRA states that the only permissible purpose for pulling someone’s credit report is a) firm offer of credit b) insurance c) a court order. d) employment I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit the above.I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren’t you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don’t even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail and return receipt requested so that I will have documented confirmation of delivery.This is my last and final letter to your non-compliant company before I file suit against all parties involved. FYI it is a crime to threaten suit with no intention of actually filing suit so be advised. I have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I rather than me filing suit against your company I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit if they have NO record of me? As I stated I have already given your company quite enough time to investigate the items in question but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter I will be forced to file suit against your company. I will also be contacting the Better Business Bureau and the Federal Trade Commission. Please investigate the followingI am writing this letter to you regarding the accounts listed below. I do not have any such account with that company and I have tried to dispute it directly with the company to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. I mailed a letter asking for validation of the alleged debts against me reporting on the accounts listed below see letter enclosed. I have not yet received sufficient evidence proving that the debt in question is mine. They did send me a paper showing the balance but that’s all. I have absolutely no record of a debt with this company in the amount! I have tried to have this validated by the collection agency to no avail. So I am requesting that you please verify that the information reporting on this account is in fact correct. Also please send me the procedures that you take in order to verify. I want to know who you contacted in order to verify and their address and phone number. Since the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt I am requesting that you delete it from my credit report. Please send me confirmation of said deletion.This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deletedThis letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing they are preventing me from obtaining the credit I deserve. As you and I are both aware there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor’s part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.Let this letter serve as formal notice that you have failed to respond to my dispute letter. As you can see I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. I’m sure you’ll want to tend to my request as soon as possible. To help you out I have included a copy of my original request the dated receipt of when you got it and a copy of the proof verifying the mistakes you have mistakenly placed on my records. To recap it all for you the following needs to be correctedPlease be advised that this is my SECOND REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my initial letter. It is my understanding of the law that you must complete any request for reinvestigation within a thirty-day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine. Please take immediate action to rectify these issues. I am awaiting your response and an updated copy of my credit report within thirty days as required by the Fair Credit Reporting Act. The following information needs to be investigated as soon as possibleI am writing to you regarding my letter to you requesting that you investigate a list of items that I believe to be incorrect. To date I have not received any response including the results of your investigation or any confirmation that your investigation has even begun. I have enclosed my original letter and formally request that you reply within a reasonable amount of time. Because this is my SECOND REQUEST I am also going to forward a copy to the Federal Trade Commission notifying them of your failure to comply. I regret that I am being forced to take such action but I see no other way of correcting the inaccuracies that are being reported. I also understand that you are required to notify me of your investigation results within thirty days. Please provide me with an updated copy of my credit report as soon as your investigation is completed. I thank you in advance for your immediate attention to this matter. The following is incorrectI recently submitted a request for investigation of the above noted account which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine – though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion Stevenson v. TRW Experian and Richardson v. Fleet Equifax et al the courts ruled each and every time that the CRA couldn't merely parrot information from the creditors and collection agencies...that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no one’s measure reasonable. As I am sure you are aware each violation of the Fair Credit Reporting Act allows damages of $1000 should this matter end up in court. If you fail to initiate an investigation regarding my dispute I will take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. Kindly complyI am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal-clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question I will be forced to file suit against your company in the county in which I live. That way you can travel here in order to defend yourselves. I take my credit profoundly serious and your lack of professionalism and assistance disgusts me. I am aware of my rights under the FCRA and intend to pursue them to the maximum. I am anticipating your immediate response.Dear Sir/Madame this is my second request for details of the procedure you followed when investigating these accounts. I sent you a request for this information and have received no response. Per the Fair Credit Reporting Act a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumer’s request. It has been well over 15 days which means that you are in violation of the FCRA. To avoid further action please forward to me a description of the procedure taken in order to determine the accuracy of these accounts including but limited to the name of the creditor along with their address and phone number. Also I want to know who you spoke with and on what date. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.I sent your company a letter disputing the following accounts where you stated that the item had been deleted; was not reporting; no longer existed. Please see copy of both letters enclosed. After reviewing my credit report again I have noticed that the item has been reinserted. It is my understanding that a deleted item cannot be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so I am requesting all documentation proving the certification of accuracy. The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification; therefore you violated the FCRA. I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to meI would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I need your assistance. There was a period in my life that was exceedingly difficult to handle due to some very personal things going on. I always tried my best to get every payment to you on time but there were a few times that my payment was received 30 days late. Before that hard time and ever since I have regained control I have made every effort to be a loyal paying customer even paying early at times to ensure that your company suffered no loss. Well that hard work has paid off and I now have years of good standing credit with your company except for those few late payments. Those few late payments are extremely damaging to me in a lot of ways mainly they are damaging my chances of receiving a promotion at work. I am asking you and your company for a goodwill request. I have maintained a good paying history with you with just those few exceptions and I ask for you to please eliminate those late payments with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. I am pleading with you to honor my request which would mean so much. I desperately need to get this promotion which would obviously come with a pay raise in order to continue to support my family. Please take into consideration what a good customer I have been. Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter.Let me start out by saying that I am very worried because I believe that I might be the victim of identity theft or fraud. I am not refusing to pay this debt but I believe this account was falsely taken out in my name. Therefore I am absolutely disputing this debt. I would like proof that I am the correct party to collect from on this account. I am requesting any copies of documentation bearing my signature where I agreed to pay this debt. Please mail this proof to me within thirty days.I understand that you are required to ensure the accuracy of my credit report. The problem that I am facing is that I have found quite a few inaccuracies on my it and have pointed them out to no avail. On top of this you have now responded with some sort of refusal to re-investigate my accounts! I cannot figure out how this can possibly be legal. I may not be an attorney and I may not know the FCRA from top to bottom but what I do know is that you are responsible for maintaining my information in your database. Part of this job is to ensure the accuracy of my data because it impacts my ability to obtain and maintain credit with my current and future creditors! I know that you cannot just tell me that you won't re-investigate when I tell you that these accounts are not reported accurately. The accounts listed below need to be re-investigated as is my right under the FCRAI would like to see the documentation that was used to determine the accuracy of these accounts. I am not sure why you're saying that they're accurate because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you are in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork contracts receipts statements logs etc. that were used in this so-called investigation. If you cannot furnish what I've requested these accounts need to be removed from my credit report. I'm not sure what section of the FCRA this belongs to or whether I'm supposed to quote some text but I can't let this slide just be I'm not a lawyer. Please send me everything you have on these accountsIn my previous dispute letter I provided enough information for you to perform an investigation on these accounts. For each account listed I detailed the creditor name account number and exact reason for dispute. I am aware that these are the 3 elements that are required for you to perform an investigation. I would like to know why you have sent me a stall letter instead of removing or correcting these per my requests. In case my intent was not clearI asked for you to remove these accounts from my credit report and you instead updated them. I am at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer I do know that an account in violation must be removed and that I can go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed immediately below them. In addition I need to see where you are getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediatelyWhy have you sent me a statement that the creditors have verified my accounts? You have failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation and that you didn't reach out to determine whether they're listed the right way. What I do not understand is that if you are the one that is responsible for maintaining my information then why do I have to fight with you to do your job? I need for you to actually perform an independent investigation on these accountsYou did not send me the contracts that I allegedly signed for each of these accounts. I know that you did not legally investigate these because if you had you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition when I sent my debt validation letter to them they failed to send me legal validation. So what is it that you have to verify if you didn't contact them you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verifyUnless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different variations. The court name is required to state the legal name of the court as US Bankruptcy Ct city state and yet 1 bureau reports 'federal' another without the city or state and the 3rd with an abbreviation. How is it listed correctly when neither bureau reports either the legal information or the same information? Remove this account immediately due to the fact that this public record does not reflect the required information to continue reporting on my credit fileI do not understand how you can send me something stating that these inquiries are legally reported and that they are 'verified as legitimate' where the FCRA states that the only permissible purpose for an inquiry is either a firm offer of credit insurance court order or employment. Neither of these apply! In addition the creditor is required to obtain my authorization prior to pulling my credit and I did not verbally verify or in writing. Due to the fact that no signature exists on any documentation giving this authorization you must immediately and permanently remove these inquiries because they are being falsely reportedFederal law requires that you respond to my dispute within 30 days from the date of receipt. I have not received any response from your organization regarding my dispute. Therefore you must remove the accounts listed below. I am also including my original dispute letter which reflects the date that my letter was sent out in the mail. Remove these accounts for violationI sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirementI have sent multiple dispute letters to you and it seems they you are simply sending a form response to me. I do not believe that any investigation has ever taken place because if there had been these accounts would not remain. I have detailed the creditor names account numbers and the facts taken directly from my credit report that prove why they need to be deleted. What does not make sense to me is that in addition to being inaccurate these accounts are also in violation for continued reporting. You cannot possibly have even 1 reason for failing to remove them and yet here I am having to point this out to you. I am once again including all relevant information for you to perform an independent investigation and I expect that when my new credit report arrives I will no longer see these accounts. I have also submitted complaints to the CFPB because of this gross misconduct on your part! Remove the followingI would like for you to send me all the documentation you have on file that would prove these accounts meet the FCRA reporting requirements. I do not agree with this determination and am formally requesting this documentation. I don't understand how 1 account can be reported differently on multiple bureaus while receiving the same information from the same creditor. How does this even happen? Where are you obtaining this information? If it's directly from the creditor then I need to see the documentation that they're supposedly sending to you as well as the documentation that you had on file prior to the account being reported as required by law. If all 3 bureaus report different information then this has to mean that one or all of you have the wrong information so how can this meet the requirements of the FCRA? Unless you can furnish this these accounts need to be removed at onceI'm writing this dispute letter because you failed to legally verify these accounts. I may not be an attorney but I am aware that you can't just tell me what the creditor tells you and that you must actually furnish the documentation to prove that my claim of inaccuracy is incorrect. Section 609 states that you are required to furnish the documentation that I filled out when this account was opened and if you cannot prove legal ownership the accounts need to be removed. Continuing to report these accounts is a violation for false reporting. Once again these are the accounts I am disputing and I need to see everything with my signature immediatelyI notified you that these accounts are the result of identity theft and that they need to be removed. For some reason you keep telling me that they belong to me so I must believe that you have proof of this right? My credit is the one thing that determines if I am able to prove myself worthy to creditors and if there's information being falsely reported it will hinder me from obtaining what I otherwise would be able to financially achieve. Since you have not legally verified these accounts and have allowed for fraudulent information to continue reporting on my credit file you are required to remove these accounts immediately from my credit report. I have also sent a copy of this letter to the CFPB along with your responses. These are the accounts in violationYou keep sending me responses that state these accounts are verified as accurate but how can that be? Simply sending an electronic response with a 2-digit code does not reflect the facts that I am taking directly from my credit report! How can you say that there is an actual investigation being done when there is no documentation? Unless you can prove that any of these creditors have sent actual documentation to prove that my claim is wrong you need to remove these accounts immediately for inaccuracy and violation. If all you are doing is have your computer ask their computer if the data in your database matches theirs then 9/10 the answer is going to be yes. Where does the FCRA state that this is how an investigation is done and why does Congress state that it is not? Remove these accounts immediatelyI don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated because you keep telling me that I am wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors so how am I wrong when it's what you're showing me? Delete the following from my credit reportI'm writing this dispute letter to find out why I'm still seeing inaccurate info on my credit report. The payment history on these accounts prove their inaccuracy and yet you keep telling me I am wrong! How is the possible when it's your info? How can 3 bureaus report 3 different sets of payment dates? I would like to see the original source of info as well as well as any documentation on file. Please also send me the paperwork that was used to 'verify' these accounts. These accounts need to be removed from my credit report because they do not meet the requirements of the FCRA for inaccuracy. Your job is to ensure that everything reported is correct and yet you are receiving a financial gain from the exact opposite. I am not even sure how this can possibly be legal because that is the exact definition of conflict of interest! Remove the following accountsThe collections listed below need to be removed from my credit report because there's no paperwork that legally verifies them. This is false reporting and a violation of section 609! How can you continue to report while they continue to attempt to collect by reporting when neither one of you can prove that these accounts are mine? I was told that there is no record of my info matching these accounts so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts these accounts are illegally reported and need to be removed at onceI disputed these accounts and was told that you do not understand the nature of my dispute. How can that be when I have provided creditor names account numbers and clear and detailed dispute reasons? I believe that this is simply a stall tactic because you have no other option other than to remove these from my credit report. I am re-sending my most recent dispute letter with this one to prove to you that you have sent me this response in error. Without signed contracts to prove the ownership and verification of these accounts you need to remove them immediately. Failing to do so will be another violation and all dispute letters have been forwarded to my attorney along with your responses. Remove these accounts permanentlyI know for a fact that I submitted enough legal identification for you to perform an investigation of the accounts listed below. It is my belief that this is a stall tactic and you need to remove these for failure to verify.My credit application was recently denied and according to the attached letter that I received less than sixty days ago from the company that denied credit to me your credit bureau issued the report that was used to determine my credit evaluation. Section 609 [15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 (b) [15 USC 1681j (b)] there should be no charge for this information. Please send my credit report to the address below. The attached letter details additional information identifying my account. If you have any questions or need additional information please contact me at address noted below. Thank you.I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date you have failed to respond to my request. A copy of my original letter is attached for your review. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. If you have any questions or need additional information please contact me at the address noted below.I am in receipt of your letter stating that my dispute of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [15 USC 1681I]. You have no way to ascertain the legitimacy of my action without investigating the items in question. Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. If you have any questions please contact me at the address listed below. Thank you.The reinvestigation has not resolved my dispute regarding the accuracy and completeness of the highlighted items on my attached credit report. According to the Fair Credit Reporting Act § 611(b) [USC 15 1681i(b)] I am entitled to file a statement setting forth the nature of the dispute. I would like potential future creditors to be aware of the dispute and want the following statement included in my credit report. I am requesting an updated copy of my credit report which should be sent to the address listed below. According to the provisions of § 612 [15 USC § 1681j] there should be no charge for this report. If you have any questions or need additional information please contact me at the address listed below. Thank you.I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached copy of the credit report with these item numbers written next to the problem entries as well as a copy of my court documents which lists the creditors included in my bankruptcy. According to the provisions of the Fair Credit Reporting Act § 611(a) [15 USC 1681i(a)] these disputed items must update to reflect discharge in bankruptcy. I am requesting an updated copy of my credit report which should be sent to the address listed below. According to the provisions of § 612 [15 USC § 1681j] there should be no charge for this report. If you have any questions or need additional information please contact me at the address listed above.I don't recall applying for credit or employment or insurance with the creditors listed below. From the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] (b) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer-reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer-reporting agency for actual damages sustained by the consumer-reporting agency or $1 000 whichever is greater. From the 1998 FTC opinion letter GreenblattI am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency asking them to validate my debts and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity cannot be verified you are obligated by law to remove the item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. In the event that you cannot verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation I may sue you in any qualified state or federal court including small claims court in my area. While I prefer not to litigate I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter.This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred which should have been given to you by these creditors. I know that it typically takes seven years for a trade line to be removed but I would like to know the specific month and year that this trade line will be removed. I am expecting your response within 15 days.I’d really like for you to take a look at the negative items that I’ve listed below because I’ve tried again and again to make sense of what I’m seeing. Unfortunately I cannot make heads or tails of this and need your help. I’ve found multiple inaccuracies and I’m aware that your job is to ensure the accuracy of my credit report. If you would please investigate these items and send me a new credit report reflecting the changes. (I would appreciate it if you’d expedite this because I need to apply for a job). Please investigate the followingI’m really getting frustrated because I sent letters letting you know that some of the info reported on my credit report isn’t reported correctly. What you did in response is tell me that they are correct and basically send me on my way. I’ve done some research and I know for a fact that you’re making money off of these inaccurate accounts! You have absolutely no incentive to make sure they are right and honestly that is simply wrong. Because of this I need to see the documentation that was used for this on each item listed below. If you cannot provide it then I must assume the reporting is false and it needs to be removed. Once again please fix these accounts.I have no choice but to submit complaints against you with the CFPB as well as against the creditors and collection n agencies for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that it is negligence. I need these items removed or corrected per my request below. Each item lists the exact reason and this information is taken directly from my credit report. These are irrefutable facts!As you can see from the letters that I’ve written and included and the pages from my credit report I have not submitted anything that is frivolous and I’ve not sent any duplicate disputes. Because of this these items should have been removed [or corrected] after my first dispute was received because you neither removed nor corrected these items. Because of this I am providing new and relevant information regarding these negative items and I need for you to perform and independent investigation into the accuracy of these items. This seems like you are personally attacking me instead of abiding by federal law!I request immediately assistance because I have a feeling that these were not even investigated and that all you did was send something through a computer and then all of a sudden it was verified. I am also pretty sure that's a violation of my rights because I specifically asked for a real investigation right? Delete these accounts because they were not investigated during the allotted timeframe of the challengeI know that you did not perform an independent legal investigation and if you had you'd have known that what I'm disputing is NOT accurate complete or verified. Please send ASAP as 15 days should be enough time. We await your response. Re-investigate and deleteThis is my third letter to your company. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I do not know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation this account can no longer stay on my credit report. Please delete it right away. I am running out of patience and I’m thinking about seeking legal advice on this matter and filing complaints if it’s not fixed. Please take care of this right away.I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. I know you will do the right thing. I’m just a person just like you trying to fix the inaccurate items on my credit report but I will protect my rights if I have to. Please DELETE THE ITEMS ABOVE AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. Have a nice day.I can't figure out how you've sent me a form response stating that this has been verified when I know that you've done nothing more than send an electronic inquiry to the creditor who then checked this info against their records. How can that be legal verification? I require that you perform an actual investigation of these items immediatelyI was looking at my credit report and I noticed a few things wrong with the bankruptcy listed. First the account listed below should show to be included in the bankruptcy listing but they are reporting inaccurate information. When the bankruptcy was filed the above accounts were part of that bankruptcy filing. Please fix correct and update my credit report. If the furnisher comes back and verify that the item should be outside of the bankruptcy let me know so that I contact that furnisher and hold them accountable for reporting inaccurate information to you and the other three bureau. I know that you company will do the right thing and fixed the inaccurate account listed above. Take care CCI will be passing this updated response letter over to my attorney for review since I don’t know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. (1). How did you verify these inaccurate accounts? (2). Did you talk to the court and if you did who did you talk with at the court? (3). Were you required to pay a fee to obtain the bankruptcy papers? (4). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case then your company is not doing a true investigation is that correct. If you did not do a real investigation then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed belowI’d really like for you to take a look at the negative items that I’ve listed below because I’ve tried again and again to make sense of what I’m seeing. Unfortunately I cannot make heads or tails of this and need your help. I have found multiple inaccuracies and I’m aware that your job is to ensure the accuracy of my credit report. If you would please investigate these items and send me a new credit report reflecting the changes. (I would appreciate it if you would expedite this because I need to apply for a job). If you really look at the info that I have provided you will see why I've said these aren't reported correctly. What I cannot figure out is why I'm seeing this information to begin with because aren't you supposed to verify everything before it ever hits my credit report? I really do not think that you've done this so I would really like for you to fix this now. Please investigate the followingIf you could take a look at these accounts and help me figure out why they're reported like this on my credit I'd really appreciate it. I'm planning on doing a few things and this is the one factor that decides whether I can do them or not. I know that you are the one that keeps my records accurate so it would be great if you can help me out! My problem here is that you are supposed to verify these accounts and their info prior to ever hitting my credit report. Each creditor submits the information in batches and it goes through your database. In addition to this you are required to maintain the documentation that supports their reporting so why wouldn't you verify accuracy first to ensure that this does not happen to people like me? I need for you to look at each of these accounts because I've detailed why they're not reported correctly. I was told by my attorney that I simply need to write a letter and detail each account and this is what I've done. These are the accounts that I'm concerned about right nowI'm concerned that my credit score is unnecessarily being hurt because of these inaccuracies. I would appreciate it if you would perform an investigation to figure out what's really going on with these. It is my understanding that you are supposed to ensure the accuracy which is why I've written you. The part that doesn't make much sense to me is that you have this information in your database BEFORE reporting it so why isn't there a step-in place to ensure accuracy prior to hitting the credit report? I did a little bit of research and found that you're actually supposed to ensure that the creditor has sent you the correct information so why haven't you implemented a functional program? I need for you to read the detail I've provided for these accounts and update them. These are the accounts in questionPlease investigate the following accounts. I recently pulled my credit report and wasn't happy with what I encountered because I know these to be falsely reported. I would like to know what the procedures were that you have in place PRIOR to reporting to make sure that the information received from the creditors was correct to begin with. I have read that this is a requirement and yet if this were an actual practice you wouldn't be receiving millions of dispute letters per year! My request is to know what these procedures were prior to reporting as well as for you to investigate these items using the facts that I've taken directly from my credit report. Please send me a new credit report reflecting the changes.I sent a letter and notified you that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why they’re inaccurate. Please independently re-investigate these items. I would also like to know exactly how these were verified as accurate when my credit report supports my claim and disproves yours. What confuses me is the fact that if you were to simply ask the creditors whether their information matched yours the answer would virtually always be yes because it comes directly from them. So unless you maintain actual records and documentation in your facility to prove or disprove a claim there's no real way for you an item to be investigated properly right? I need to see the documents used in this prior investigation as well as have you re-investigate the negative items and send a new credit report. This includes but is not limited toI would like to see the paperwork that proves you did not simply use an electronic response system with the disputed creditors. I've done some research and have found that this cannot possibly result in a true and independent investigation! How could it possibly when there are 2 computers communicating the same information? You would obviously come back with a verified as accurate response when you are comparing the information you have against the information the creditor has because this info is directly from their records! Where are the documents that prove otherwise? What contracts receipts records applications and other paperwork was used to determine the accuracy of my disputed accounts? Please send me this paperwork along with a detailed report that goes over how this investigation was done and irrefutable proof that your claim is true. If this documentation is not provided then it goes to prove that I'm right and these should not be reported like this. What doesn't make sense is that I've provided FACTS directly from my credit report and I've shown you why they're wrong and yet you continue to report. Please expedite this process because this just isn't right! Please re-investigate the followingI’m really getting frustrated because I sent a letter letting you know that some of the info reported on my credit report isn’t reported correctly. What you did in response is tell me that they are correct and basically send me on my way. I’ve done some research and I know for a fact that you’re making money off of these inaccurate accounts! You have absolutely no incentive to make sure they’re right and honestly that’s just wrong. Because of this and I need to see the documentation that was used for this on each and every item listed below. If you cannot provide it then I have to assume the reporting is false and it needs to be removed. Once again please fix these accounts.My letters were written and sent to you and they’ve fallen on deaf ears it seems. I just can’t figure out what’s going on and I also don’t understand what it is that I’m doing wrong or what it is that I’m not saying. I’ve reached out to these creditors and was notified that there’s been no investigation at all and you’re just receiving an electronic response from them! I know that this isn’t considered legal verification and that you’re required to do your own investigation beyond what they submit to you. Where’s this info? Where’s this documentation? How was the investigation done? Who did you speak with? How can you prove to me that you didn’t just parrot what they told you?I’d really like for you to take a look at the negative items that I’ve listed below because I’ve tried again and again to make sense of what I’m seeing. Unfortunately I can’t make heads or tails of this and need your help. I’ve found multiple inaccuracies and I’m aware that your job is to ensure the accuracy of my credit report. If you would please investigate these items and send me a new credit report reflecting the changes. (I would appreciate it if you’d expedite this because I need to apply for a job). Please investigate the followingI’m really getting frustrated because I sent a letter letting you know that some of the info reported on my credit report isn’t reported correctly. What you did in response is tell me that they are correct and basically send me on my way. I’ve done some research and I know for a fact that you’re making money off of these inaccurate accounts! You have absolutely no incentive to make sure they’re right and honestly that’s just wrong. Because of this I need to see the documentation that was used for this on each and every item listed below. If you cannot provide it then I have to assume the reporting is false and it needs to be removed. Once again please fix these accounts.I have submitted multiple letters to you and you've continued to report these inaccuracies for some reason. How can that be when I've proven they're reported incorrectly with irrefutable information directly from my credit report? I have no choice but to submit complaints against you with the CFPB as well as against the creditors and collection agencies for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that it’s negligence. I need these items removed or corrected per my request below. Each and every item lists the exact reason and this information is taken directly from my credit report. These are irrefutable facts!I am including each of the letters that I sent to you about these accounts. As you can see from the letters that I’ve written and included and the pages from my credit report I have not submitted anything that is frivolous and I’ve not sent any duplicate disputes. Because of this these items should have been removed [or corrected] after my first dispute was received because you neither removed or corrected these items. Because of this I am providing new and relevant information regarding these negative items and I need for you to perform and independent investigation in to the accuracy of these items. This seems like you are personally attacking me instead of abiding by federal law!Thank you for sending me a copy of my credit report just as I requested. However after careful review I noticed accounts and inquiries which do not belong to me.The following accounts listed below were paid on time. Please correct and forward to me an undated copy of my credit report.I am wondering why you are reporting that I was late with this creditor. I am in dispute of the information listed and it is my request that you remove this account from my credit report and send me a new copy that reflects the change.I never had a collection account with this collector. Please delete this account from my credit report and send me an updated copy showing the results.This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced accounts were included in my bankruptcy and are instead showing as the wrong information. The incorrect listings are lowering my credit score unnecessarily and this is also preventing me from purchasing a home. I am enclosing a copy of my bankruptcy discharge papers as proof of the date of my discharge.I never authorized the following companies to check my credit rating. Please remove immediately.Please refer to the letter I sent on (please see enclosed copy) in which I challenged negative information listed on my credit report. As of the date above I have not heard from you. It's been almost with no response.On I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time; however as of the above date I have not received a response from you. Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter.I disputed incorrect information contained in my credit report in a letter dated (please see enclosed copy). I understand that under the Fair Credit Reporting Act (FCRA) I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five (5) business days from receipt of this letter or I will be forced to take legal actions under the FCRA seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA's time frame on such timely responses it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.I am writing this letter notifying you of difficult times which are rapidly approaching. During recent cutbacks on my job I received notice from my superiors of a tremendous cut in my pay. Due to this cut my financial situation is such that I am unable to meet my current monthly obligations as my most recent payment history shows. However I want you to know that my intention is to pay my account in full and in a timely manner. I am currently writing all of my creditors and working out a lower payment arrangement in proportion to my reduced income. I am prepared to offer a temporary payment arrangement with your company for the next nine months in the following mannerConcerning the letter sent to me on (please see enclosed copy) I am apologizing for not responding to you as to what my intentions are concerning my account. I have always appreciated doing business with your company. During the time I have had an account with you the service I received has been to my satisfaction. My personal situation has recently become difficult. Due to recent cut-backs on my job and a little poor management my financial situation is such that I have been hard pressed to meet my obligations as my recent payment history with your company shows. However I want you to know that I am in the process of recovery and I fully intend to pay my account with you in full. I hope you will allow a temporary adjustment of my account during this period. Because of this situation I am behind on my financial obligations. I am now trying my best to catch up on my bills but I am getting farther behind. I am now in the process of working out agreements with all of my creditors to prevent a financial disaster. Your cooperation will be greatly appreciated. I am concerned that my previously good credit rating will begin to suffer from my current situation. I hope you will show patience and understanding and refrain from issuing less-than-favorable reports during this time. As I stated earlier I will fulfill my responsibility to you fully but the adjusted payment I am requesting will allow me to meet that responsibility without even greater burden on my family and me.This letter is regarding the response received from your company concerning my account with states that the bank would not accept my settlement offer of >Amount) per month and has turned my account over to you for collections. I showed that letter to my attorney and was advised to file bankruptcy due to my financial hardship. However I feel that brighter days are coming soon. I am prepared to make this counteroffer. I can pay your company a certain number of payments until the balance is paid in full making the first payment each month thereafter. I would also like you to agree to take the negative mark off my credit rating if I stick religiously to my agreement. I am currently unemployed due to health problems but making plans to go back to work. If this offer is not agreeable I have no other alternative but to file bankruptcy for this is the best I can doI don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I am wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Delete the following from my credit reportThe collections listed below need to be removed from my credit report because there's no paperwork that legally verifies them. This is false reporting and a violation of section 609! How can you continue to report, while they continue to attempt to collect by reporting, when neither one of you can prove that these accounts are mine? I was told that there is no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, these accounts are illegally reported and need to be removed at onceI disputed these accounts and was told that you do not understand the nature of my dispute. How can that be when I have provided creditor names, account numbers and clear and detailed dispute reasons? I believe that this is simply a stall tactic because you have no other option other than to remove these from my credit report. I am re-sending my most recent dispute letter with this one to prove to you that you have sent me this response in error. Without signed contracts to prove the ownership and verification of these accounts, you need to remove them immediately. Failing to do so will be another violation and all dispute letters have been forwarded to my attorney along with your responses. Remove these accounts permanentlyI know for a fact that I submitted enough legal identification for you to perform an investigation of the accounts listed below. It is my belief that this is a stall tactic and you need to remove these for failure to verify. My credit application was recently denied, and according to the attached letter that I received less than sixty days ago from the company that denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 [15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 (b) [15 USC 1681j (b)], there should be no charge for this information. Please send my credit report to the address below. The attached letter details additional information identifying my account. If you have any questions or need additional information, please contact me at address noted below. Thank you.I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. If you have any questions or need additional information, please contact me at the address noted below. I am in receipt of your letter stating that my dispute of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [15 USC 1681I]. You have no way to ascertain the legitimacy of my action without investigating the items in question. Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. If you have any questions, please contact me at the address listed below. Thank you. The reinvestigation has not resolved my dispute regarding the accuracy and completeness of the highlighted items on my attached credit report. According to the Fair Credit Reporting Act, § 611(b) [USC 15 1681i(b)], I am entitled to file a statement setting forth the nature of the dispute. I would like potential future creditors to be aware of the dispute, and want the following statement included in my credit report. [Consumer statement---100 words or less] I am requesting an updated copy of my credit report which should be sent to the address listed below. According to the provisions of § 612 [15 USC § 1681j], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address listed below. Thank you. I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached copy of the credit report with these item numbers written next to the problem entries as well as a copy of my court documents which lists the creditors included in my bankruptcy. According to the provisions of the Fair Credit Reporting Act § 611(a) [15 USC 1681i(a)], these disputed items must update to reflect discharge in bankruptcy. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of § 612 [15 USC § 1681j], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address listed above. I don't recall applying for credit or employment or insurance with the creditors listed below. From the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] (b) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer-reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer-reporting agency for actual damages sustained by the consumer-reporting agency or $1,000, whichever is greater. From the 1998 FTC opinion letter GreenblatI am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity cannot be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you cannot verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred, which should have been given to you by these creditors. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. I am expecting your response within 15 days. I’d really like for you to take a look at the negative items that I’ve listed below, because I’ve tried again and again to make sense of what I’m seeing. Unfortunately, I cannot make heads or tails of this and need your help. I’ve found multiple inaccuracies and I’m aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. (I would appreciate it if you’d expedite this because I need to apply for a job). Please investigate the followingI’m really getting frustrated, because I sent letters letting you know that some of the info reported on my credit report isn’t reported correctly. What you did in response is tell me that they are correct and basically send me on my way. I’ve done some research and I know for a fact that you’re making money off of these inaccurate accounts! You have absolutely no incentive to make sure they are right and honestly, that is simply wrong. Because of this, I need to see the documentation that was used for this on each item listed below. If you cannot provide it, then I must assume the reporting is false and it needs to be removed. Once again, please fix these accounts. I have no choice but to submit complaints against you with the CFPB as well as against the creditors and collection n agencies for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that it is negligence. I need these items removed or corrected per my request below. Each item lists the exact reason and this information is taken directly from my credit report. These are irrefutable facts! As you can see from the letters that I’ve written and included, and the pages from my credit report, I have not submitted anything that is frivolous and I’ve not sent any duplicate disputes. Because of this, these items should have been removed [or corrected] after my first dispute was received because you neither removed nor corrected these items. Because of this, I am providing new and relevant information regarding these negative items and I need for you to perform and independent investigation into the accuracy of these items. This seems like you are personally attacking me instead of abiding by federal law! I request immediately assistance, because I have a feeling that these were not even investigated and that all you did was send something through a computer and then all of a sudden it was verified. I am also pretty sure that's a violation of my rights because I specifically asked for a real investigation, right? Delete these accounts because they were not investigated during the allotted timeframe of the challengeI know that you did not perform an independent, legal investigation and if you had, you'd have known that what I'm disputing is NOT accurate, complete or verified. Please send ASAP, as 15 days should be enough time. We await your response. Re-investigate and deleteThis is my third letter to your company. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today, they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I do not know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. I am running out of patience and I’m thinking about seeking legal advice on this matter and filing complaints if it’s not fixed. Please take care of this right away. CCI just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. I know you will do the right thing. I’m just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. Please DELETE THE ITEMS ABOVE AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. Have a nice day.I can't figure out how you've sent me a form response stating that this has been verified, when I know that you've done nothing more than send an electronic inquiry to the creditor, who then checked this info against their records. How can that be legal verification? I require that you perform an actual investigation of these items immediatelyI was looking at my credit report, and I noticed a few things wrong with the bankruptcy listed. First the account listed below should show to be included in the bankruptcy listing, but they are reporting inaccurate information. When the bankruptcy was filed, the above accounts were part of that bankruptcy filing. Please fix, correct, and update my credit report. If the furnisher comes back and verify that the item should be outside of the bankruptcy, let me know so that I contact that furnisher and hold them accountable for reporting inaccurate information to you and the other three bureau. I know that you company will do the right thing and fixed the inaccurate account listed above. Take care CCI will be passing this updated response letter over to my attorney for review since I don’t know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. (1). How did you verify these inaccurate accounts? (2). Did you talk to the court and if you did who did you talk with at the court? (3). Were you required to pay a fee to obtain the bankruptcy papers? (4). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed belowI’d really like for you to take a look at the negative items that I’ve listed below, because I’ve tried again and again to make sense of what I’m seeing. Unfortunately, I cannot make heads or tails of this and need your help. I have found multiple inaccuracies and I’m aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. (I would appreciate it if you would expedite this because I need to apply for a job). If you really look at the info that I have provided, you will see why I've said these aren't reported correctly. What I cannot figure out is why I'm seeing this information to begin with, because aren't you supposed to verify everything before it ever hits my credit report? I really do not think that you've done this so I would really like for you to fix this now. Please investigate the followingIf you could take a look at these accounts and help me figure out why they're reported like this on my credit I'd really appreciate it. I'm planning on doing a few things and this is the one factor that decides whether I can do them or not. I know that you are the one that keeps my records accurate, so it would be great if you can help me out! My problem here is that you are supposed to verify these accounts and their info prior to ever hitting my credit report. Each creditor submits the information in batches, and it goes through your database. In addition to this, you are required to maintain the documentation that supports their reporting, so why wouldn't you verify accuracy first to ensure that this does not happen to people like me? I need for you to look at each of these accounts, because I've detailed why they're not reported correctly. I was told by my attorney that I simply need to write a letter and detail each account and this is what I've done. These are the accounts that I'm concerned about right nowI'm concerned that my credit score is unnecessarily being hurt because of these inaccuracies. I would appreciate it if you would perform an investigation to figure out what's really going on with these. It is my understanding that you are supposed to ensure the accuracy which is why I've written you. The part that doesn't make much sense to me is that you have this information in your database BEFORE reporting it, so why isn't there a step-in place to ensure accuracy prior to hitting the credit report? I did a little bit of research and found that you're actually supposed to ensure that the creditor has sent you the correct information so why haven't you implemented a functional program? I need for you to read the detail I've provided for these accounts and update them. These are the accounts in questionPlease investigate the following accounts. I recently pulled my credit report and wasn't happy with what I encountered because I know these to be falsely reported. I would like to know what the procedures were that you have in place PRIOR to reporting to make sure that the information received from the creditors was correct to begin with. I have read that this is a requirement and yet, if this were an actual practice, you wouldn't be receiving millions of dispute letters per year! My request is to know what these procedures were prior to reporting as well as for you to investigate these items using the facts that I've taken directly from my credit report. Please send me a new credit report reflecting the changes. I sent a letter and notified you that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why they’re inaccurate. Please independently re-investigate these items. I would also like to know exactly how these were verified as accurate, when my credit report supports my claim and disproves yours. What confuses me is the fact that if you were to simply ask the creditors whether their information matched yours, the answer would virtually always be yes because it comes directly from them. So, unless you maintain actual records and documentation in your facility to prove or disprove a claim, there's no real way for you an item to be investigated properly, right? I need to see the documents used in this prior investigation as well as have you re-investigate the negative items and send a new credit report. This includes but is not limited toI would like to see the paperwork that proves you did not simply use an electronic response system with the disputed creditors. I've done some research and have found that this cannot possibly result in a true and independent investigation! How could it possibly when there are 2 computers communicating the same information? You would obviously come back with a verified as accurate response when you are comparing the information you have against the information the creditor has because this info is directly from their records! Where are the documents that prove otherwise? What contracts, receipts, records, applications and other paperwork was used to determine the accuracy of my disputed accounts? Please send me this paperwork along with a detailed report that goes over how this investigation was done and irrefutable proof that your claim is true. If this documentation is not provided, then it goes to prove that I'm right and these should not be reported like this. What doesn't make sense is that I've provided FACTS directly from my credit report and I've shown you why they're wrong and yet, you continue to report. Please expedite this process because this just isn't right! I’m really getting frustrated, because I sent a letter letting you know that some of the info reported on my credit report isn’t reported correctly. What you did in response is tell me that they are correct and basically send me on my way. I’ve done some research and I know for a fact that you’re making money off of these inaccurate accounts! You have absolutely no incentive to make sure they’re right and honestly, that’s just wrong. Because of this, I need to see the documentation that was used for this on each and every item listed below. If you cannot provide it, then I have to assume the reporting is false and it needs to be removed. Once again, please fix these accounts. My letters were written and sent to you and they’ve fallen on deaf ears it seems. I just can’t figure out what’s going on and I also don’t understand what it is that I’m doing wrong, or what it is that I’m not saying. I’ve reached out to these creditors and was notified that there’s been no investigation at all and you’re just receiving an electronic response from them! I know that this isn’t considered legal verification and that you’re required to do your own investigation beyond what they submit to you. Where’s this info? Where’s this documentation? How was the investigation done? Who did you speak with? How can you prove to me that you didn’t just parrot what they told you? I’d really like for you to take a look at the negative items that I’ve listed below, because I’ve tried again and again to make sense of what I’m seeing. Unfortunately, I can’t make heads or tails of this and need your help. I’ve found multiple inaccuracies and I’m aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. (I would appreciate it if you’d expedite this because I need to apply for a job). Please investigate the followingI sent a letter and notified you that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why they’re inaccurate. Please independently re-investigate these items. I would also like to know exactly how these were verified as accurate, when my credit report supports my claim and disproves yours. I have submitted multiple letters to you and you've continued to report these inaccuracies for some reason. How can that be when I've proven they're reported incorrectly with irrefutable information directly from my credit report? I have no choice but to submit complaints against you with the CFPB as well as against the creditors and collection agencies for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that it’s negligence. I need these items removed or corrected per my request below. Each and every item lists the exact reason and this information is taken directly from my credit report. These are irrefutable facts! I never had a collection account with this collector. Please delete this account from my credit report and send me an updated copy showing the results.This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced accounts were included in my bankruptcy and are instead showing as the wrong information. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. I am enclosing a copy of my bankruptcy discharge papers as proof of the date of my discharge.I never authorized the following companies to check my credit rating. Please remove immediately.Please refer to the letter I sent on (please see enclosed copy), in which I challenged negative information listed on my credit report. As of the date above, I have not heard from you. It's been almost with no response.On I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time; however, as of the above date, I have not received a response from you. Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter.I disputed incorrect information contained in my credit report in a letter dated (please see enclosed copy). I understand that, under the Fair Credit Reporting Act (FCRA), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five (5) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.I am writing this letter notifying you of difficult times, which are rapidly approaching. During recent cutbacks on my job, I received notice from my superiors of a tremendous cut in my pay. Due to this cut, my financial situation is such that I am unable to meet my current monthly obligations, as my most recent payment history shows. However, I want you to know that my intention is to pay my account in full and in a timely manner. I am currently writing all of my creditors and working out a lower payment arrangement in proportion to my reduced income. I am prepared to offer a temporary payment arrangement with your company for the next nine months in the following mannerConcerning the letter sent to me on (please see enclosed copy), I am apologizing for not responding to you as to what my intentions are concerning my account. I have always appreciated doing business with your company. During the time I have had an account with you, the service I received has been to my satisfaction. My personal situation has recently become difficult. Due to recent cut-backs on my job, and a little poor management, my financial situation is such that I have been hard pressed to meet my obligations, as my recent payment history with your company shows. However, I want you to know that I am in the process of recovery, and I fully intend to pay my account with you in full. I hope you will allow a temporary adjustment of my account during this period. Because of this situation, I am behind on my financial obligations. I am now trying my best to catch up on my bills, but I am getting farther behind. I am now in the process of working out agreements with all of my creditors to prevent a financial disaster. I am currently several payments past due on my account. With a balance of ___. I am only able to pay ___ per month until this account is current, enclosing ___ with this letter. This offer will help me tremendously to get back on my feet financially. Your cooperation will be greatly appreciated. I am concerned that my previously good credit rating will begin to suffer from my current situation. I hope you will show patience and understanding and refrain from issuing less-than-favorable reports during this time. As I stated earlier, I will fulfill my responsibility to you fully, but the adjusted payment I am requesting will allow me to meet that responsibility without even greater burden on my family and me.This letter is regarding the response received , from your company, concerning my account with states that the bank would not accept my settlement offer of >Amount) per month and has turned my account over to you for collections. I showed that letter to my attorney and was advised to file bankruptcy due to my financial hardship. However, I feel that brighter days are coming soon. I am prepared to make this counteroffer. I can pay your company ____ payments of $____ until the balance is paid in full, making the first payment due ____, and due the ___ of each month thereafter. I would also like you to agree to take the negative mark off my credit rating if I stick religiously to my agreement. I am currently unemployed due to health problems but making plans to go back to work on (Date). If this offer is not agreeable, I have no other alternative but to file bankruptcy, for this is the best I can do.This letter is to inform you that I received your letter dated (please see enclosed copy) stating that my proposal dated (please see enclosed copy) was unacceptable. It is my desire that this account be satisfied. Therefore, I am prepared to make a counteroffer concerning my account. If I pay the balance of this account in full, will you then accept my proposal of deleting the negative mark off my consumer credit report? I am trying to make a new life for my daughter and I, but it is exceedingly difficult when your husband leaves you in a financial hole.I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. Stop reporting this information on my credit report for failure to legally verify.Please be advised that I am writing to dispute incorrect credit-limit information currently being reported in my credit report. I'm writing this dispute letter to find out why I'm still seeing inaccurate info on my credit report. The payment history on these accounts prove their inaccuracy and yet, you keep telling me I am wrong! How is the possible when it's your info? How can 3 bureaus report 3 different sets of payment dates? I would like to see the original source of info as well as well as any documentation on file. Please also send me the paperwork that was used to 'verify' these accounts. These accounts need to be removed from my credit report because they do not meet the requirements of the FCRA for inaccuracy. Your job is to ensure that everything reported is correct and yet, you are receiving a financial gain from the exact opposite. I am not even sure how this can possibly be legal because that is the exact definition of conflict of interest! Remove the following accountsYou keep sending me responses that state these accounts are verified as accurate, but how can that be? Simply sending an electronic response with a 2-digit code does not reflect the facts that I am taking directly from my credit report! How can you say that there is an actual investigation being done when there is no documentation? Unless you can prove that any of these creditors have sent actual documentation to prove that my claim is wrong, you need to remove these accounts immediately for inaccuracy and violation. If all you are doing is have your computer ask their computer if the data in your database matches theirs, then 9/10 the answer is going to be yes. Where does the FCRA state that this is how an investigation is done and why does Congress state that it is not? Remove these accounts immediately This letter is to inform you that I received your letter dated (please see enclosed copy) stating that my proposal dated (please see enclosed copy) was unacceptable. It is my desire that this account be satisfied. Therefore I am prepared to make a counteroffer concerning my account. If I pay the balance of this account in full will you then accept my proposal of deleting the negative mark off my consumer credit report? I am trying to make a new life for my daughter and I but it is exceedingly difficult when your husband leaves you in a financial hole.I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency asking them to validate my debts and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. Stop reporting this information on my credit report for failure to legally verify.Please be advised that I am writing to dispute incorrect credit-limit information currently being reported in my credit report. Please remove theseI would like to investigate the account listed below as it is not reporting correctly on my credit reportI was shocked by the follow-up letter you sent me regarding my dispute of the account listed below: You stated in your letter that you are reporting this account accurately. Well, I disagree and I’m pretty sure my attorney will disagree also, once I brief him on the violation that may have occurred. I would like to see all documents you used to verify the account listed above. Don’t send me a simple letter stating that you have verified; I would like to see real proof. I will be forwarding your response to my attorney to keep him updated on this matter, just in case we need to escalate this. Please send this information to me ASAP.I’m ready to escalate this matter and file complaints with the Better Business Bureau, Attorney General’s office, and the Consumer Financial protection bureau. My attorney will also be reviewing this matter if the below account is not corrected. In my last letter I asked your company to send me real proof regarding your report of the account listed above. You sent me some generic information that did not prove anything. I will ask for the last time to send me the following: (1). Copy of the contract that I signed; (2). A full accounting history of this debt; (3). Every payment that was made; (4). All interest that was applied; Let me remind you that if you fail to provide me with proof, you will be in violation of the Fair Credit Billing ACT and the Fair Credit Reporting ACT.I would like a full investigation on the account listed below: I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting isn't accurate, and here is the reason why: if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.I need you to start a new investigation regarding the account listed below: Let me first start off by saying the account listed above is not my account yet it’s appearing on my credit report. After disputing it with the bureaus, your company verified it. How can you verify this account when I never did business with your company, and I never signed a contract with your company? Please investigate this matter and delete this account from my credit report or I shall hold your company accountable for the damage of my credit score. As you are aware, the FCRA 623(a)(8) allows me to dispute inaccurate reporting directly with you. After your investigation and you still feel that this is my account, please provide me with a contract with my signature on it. If not, this item must be deleted right away. I will keeping my attorney informed of every move regarding this matter.I need you to start a new investigation regarding the account listed below: I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days.I need you to start a new investigation regarding the account listed below: I would like to see all documents pertaining to the account listed above. The credit bureau have verified these items. They stated that they relied on the information that came from your company. I don’t agree with your reporting nor your decision to verify this account which is why I’m asking for the following: (1). Contract with my signature. (2). Proof that I have given your company the authorization to report to the credit bureau. (3). A complete payment history from the day the account was opened to the day it was closed. (4). A history of all payments and interest applied. Please do not send me a standard one sheet paper proving your case. I would like to see what I have requested. The law allows this right. Please get back with me within 30 days.I need you to start a new investigation regarding the account listed below: I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days.I need you to start a new investigation regarding the account listed belowI would like a full investigation on the account listed below: I disputed the above account with the credit bureaus, and for some reason they all came back verified. Your company verified this information. I would like to know what records you used to verified this information according to FACTA. Please do not send me a basic print out. I need the true documents your company used to verify this account. Here is what the law states about investigations: § 623. (b) Duties of furnishers of information upon notice of dispute. (1) In general. After receiving notice pursuant to section 611(a)(2) [§ 1681i] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall (A) conduct an investigation with respect to the disputed information; (B) review all relevant information provided by the consumer reporting agency pursuant to section 611(a)(2) [§ 1681i]; (C) report the results of the investigation to the consumer reporting agency; (D) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis; and (E) if an item of information disputed by a consumer is found to be inaccurate or incomplete or cannot be verified after any reinvestigation under paragraph (1), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly: (i) modify that item of information; (ii) delete that item of information; or (iii) permanently block the reporting of that item of information. Now if your company can’t provide the proof needed to support the reporting of the account listed above, this account must be deleted. If it’s not deleted, then I will file complaints with the Attorney General’s office and the CFPB and seek legal advice on this matter. Please get back with me within 30 days. I’m standing by for an answer.I would like to start a new investigation regarding the account listed below: Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I don’t recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus. According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 30 days is the allowable time according to the law.I need you to start a new investigation regarding the account listed below: I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. I’m confused, how did you verify this account when It’s inaccurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately. These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP. Please fix this situation and get back with me within 30 days.I would you like to start a new investigation on the account listed below: According to this law right here, you were supposed to notify me before you placed any negative information on my credit report. Here is what the law states: § FCRA 623 (a) (7) Negative Information (A) Notice to Consumer Required (i) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603(p) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. (ii) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603(p) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. (B) Time of Notice (i) In general. The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603(p). (ii) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127(a) of the Truth in Lending Act. I’m just wondering why your company reported this inaccurate information without notifying me first. Please remove this inaccurate information at once. If you choose not to do anything, I will forward this information over to my attorney for review, along with complaints to the CFPB for violating FACTA.I would you like to start a new investigation on the account listed below: I sent a letter to your company 30 days ago asking you to investigate the account above and I have not heard back from you. I know that you are aware that the law states that you must respond within 30 days. This is a clear violation. Maybe the dispute got lost somewhere, but I’m asking you to address the issue above, and get back to me ASAP.This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act (RESPA), regarding the account listed below. I am writing because I feel that you have not reported my payment history correctly. You have reported me late on several occasions which I disagree with. I would like to see the following informationCheck this box if you would like to write your own letter body instead YESCustom Letter INSTRUCTIONS 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" Creditor Name, Acct# & Dispute Reason (Max of 10 Per Letter) Click the "+" to add a new one Name & Acct# Dispute Reason Supporting Facts 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 Choose a Closing Click to choose: "Thank you for ____"Thank you for taking the time to read this. Please expedite my investigation and send me a new credit report. Thank you for your attention. I would also like a new credit report. Thank you for your time. Please send me a new credit report as well. Thank you for your time. I have read and agree to the Terms and Conditions and Privacy PolicyCreate Letter
