Hello 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. Again, to make deletion easier, here is a list of the incorrect spellings and addresses: Please send me an updated credit report as soon as you have deleted the inaccuracies listed above.

The 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 A, B, C, or D 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, 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 following:

I 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 deleted:

This 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 FT. 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 corrected:

Please 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 possible:

I am writing to you regarding my letter to you requesting that you investigate 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 incorrect:

I 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 ones measure reasonable. As I’m 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 to take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. Kindly comply.

I 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 very serious and your lack of professionalism and assistance disgusts me. I am well 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.\nAfter 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.\nThe 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.\nI 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 me:\nThe name, address, and telephone number if available of the furnishers of the information confirming its accuracy. Documentation stating that the item has been reinserted and the date of reinsertion. Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item.\nI am furthermore requesting documentation of the reinvestigation process performed when this item had been deleted. In accordance with the FCRA, I expect to receive the requested documentation within 15 days of receipt. The reinserted account is listed below:

I 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 am in need of your assistance. There was a period of time in my life that was very 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, 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'm facing is that I've found quite a few inaccuracies on my it and have pointed them out to no avail. On top of this, you've now responded with some sort of refusal to re-investigate my accounts! I can't 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 can't 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 FCRA:

I would like to see the documentation that was used to determine the accuracy of these accounts. I'm 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're 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 can't 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 accounts:

In 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've sent me a stall letter instead of removing or correcting these per my requests. In case my intent was not clear: Please perform an investigation of the items I have listed below. I have detailed the dispute reasons with the facts taken directly from my credit report with your organization. In the event that you return with a response that these are still accurate, I will need for you to furnish all documentation that was used during this investigation. These are my disputed accounts

I asked for you to remove these accounts from my credit report and you instead updated them. I'm 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 actually 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're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately:

Why have you sent me a statement that the creditors have verified my accounts? You've 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 don't 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 accounts:

Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't 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 verify:

Unless 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 file:

I 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 reported:

Federal 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 violation:

I 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 requirement:

I 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've detailed the creditor names, account numbers and the facts taken directly from my credit report that prove why they need to be deleted. What doesn't 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 following:

I 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 once:

I'm writing this dispute letter because you failed to legally verify these accounts. I may not be an attorney, but I'm 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 can't 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 immediately:

I 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 have to 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. Due to the fact that you've 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've also sent a copy of this letter to the CFPB along with your responses. These are the accounts in violation:

You 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 doesn't reflect the facts that I'm taking directly from my credit report! How can you say that there's an actual investigation being done when there's 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're 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's not? Remove these accounts immediately:

I 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 any and 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'm 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 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'm wrong! How's 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're receiving a financial gain from the exact opposite. I'm not even sure how this can possibly be legal because that's the exact definition of conflict of interest! Remove the following accounts:

The 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's 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 once:

I disputed these accounts and was told that you do not understand the nature of my dispute. How can that be when I've 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've 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 permanently:

I 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 Section611 [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.

CONSUMER STATEMENT FOR DISPUTED ITEMS FOLLOWING INVESTIGATION

Your 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 updated 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.

Gentlemen: The following accounts listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated:

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. §n1681n]n(b) Civil liability for knowing noncompliance. Any person who obtains an consumer report from a consumer-reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to then consumer-reporting agency for actual damages sustained by then consumer-reporting agency or $1,000, whichever is greater. From the 1998 FTC opinion letter Greenblatt atnhttp://www.ftc.gov/os/statutes/fcra/greenblt.htm:nAny person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1000 or actual damages (whichever is greater) to both the consumer and to then consumer-reporting agency from which the report is procured. Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of $1,000:

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 theses 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 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 following

I’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’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 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!

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 game 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'm 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 challenge: You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure that my rights are NOT being violated. 15 Days is enough time.

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 haven 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 then FCRA. I look forward to an uneventful resolution of this matter.