Letter To CRA Fraudulent Entries

Your Name

123 Your Street Address

Your City, ST 01234

The Credit Bureau

Fraud Department
Bureau Address

Anytown, State 56789


Dear Credit Bureau,

This letter is a formal complaint that you are reporting inaccurate credit information.

The following paragraph may be excluded if it does not apply
I believe I am the victim of identity theft or identity fraud.

I am very upset that you have included the below information in my credit report due to its damaging effects on my credit standing.

As you are no doubt aware, credit reporting laws require bureaus to report only accurate credit information.

The inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part.
Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a (insert credit type for which you were denied here) , which was highly embarrassing, and has negatively impacted my life.

The following information therefore needs to be deleted from the report as soon as possible:

CREDITOR AGENCY, acct. 123-34567-ABC


I have no knowledge of these fraudulent entries on my credit report.
I have no accounts with the account numbers reported.
I opened no accounts on the dates referenced.
I have had no communication in any way, EVER, from the reporting agencies.

Please delete the above information as quickly as possible and confirm these deletions within 30 days.

If these fraudulent accounts are not permanently deleted,and/or if you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations,the FDCPA for violations of FACTA and the FCRA , I will also file a complaint with other appropriate State and Federal authorities.

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices.( Section 1031 of the Dodd-Frank Act )

your signature

Your Name