Journey to Wealth

Creditor Dispute letter FCRA [Recipient Name] [Recipient AddressLine1] [Recipient City State Postal Code] [Account Item List] [Today Date] [Recipient Name], I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act, section 623 Responsibilities of Furnishers of Information. The FTC defines your obligations at: http://www.ftc.gov/bcp/conline/pubs/buspubs/infopro.htm I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. Please be advised that I am not requesting a verification that you have my mailing address. Rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. Should you not be able or willing to provide me with the substantiating documentation as verification to cure this violation, within the next 30 days, please have the information DELETED from each of the CRA's to whom you initially furnished it. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with the FCRA, and other federal statutes. If this matter remains unresolved, I will have no recourse but to consider legal action as a resolution.