Date: December 25, 2020

Dispute Letter

{CREDIT BUREAU NAME}

P.O. BOX 9999
DALLAS, TX 75001-3000

Re: {YOU’RE NAME}

Street Address: 666 e 77th St Apt# 10
City: Beverly Hills State: Cali ZIP: 90210 Country: united States of America

SSN Ending In: XXX-XX-6996 DOB: 06/15/1975

Certified Mail #: 0000 0000 0000 0000 0000

Dear Credit Bureau,

According to the Fair Credit Reporting Act, Section 609(a)(1)(A), you are required by the federal
law to verify – through physical verification of the original accounting records and signed
consumer contract any and all accounts you post someone’s credit report. Otherwise, anyone
paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I’m demanding to receive verifiable proof of the (original accounting records & signed
contract) for the files of the accounts listed below. Your failure to positively verify the accounts
has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass
employment credit checks, utilities, etc. along with getting other basic livelihood necessities.
Under the FCRA, unverified accounts that are not 100% accurate must be deleted and
removed.

Also these negative accounts below may either be inaccurate, old, inaccurate data between
bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors,
charged off/written off taxes, settled, inaccurate addresses, $0 collections open balances,
permanent disabilities act discharge, identity theft, for profit school fraud loan discharge,
fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate
name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you
are unable to provide me with a copy of the verifiable and validated proof that you have on file
within a 30 day calendar days from receiving this notice for the account listed then you must
remove and delete the account from (YOU’RE NAME, SSN Ending In 6996) credit reports. I
demand the following negative accounts be verified or permanently deleted immediately. The
law is very clear on the available remedy to me for violating, Section. 617. Civil liability for
negligent noncompliance, if you fail to comply with the federal law.

1
 Name of Account Account Number # Status
CITIBANK CREDIT CARD 487968200090**** Unverified Account
NAVIENT 15975315978**** Unverified Account
NAVIENT 15975315979**** Unverified Account
DIRECT LOAN SVC 70000214447**** Unverified Account
SYSTEM
U.S DEPT OF EDUCATION 1234**** Unverified Account
U.S DEPT OF EDUCATION 1235**** Unverified Account
SALLIE MAE 74185296374E00**** Unverified Account
SALLIE MAE 74185296375E00**** Unverified Account

Thank You,

Sincerely,

{YOU’RE NAME}