Here is the dispute letter to use [Your Name] [Your Address] [City, State, ZIP Code] [Date] Experian Information Solutions, Inc. Dispute Department [Address] [City, State, ZIP Code] RE: Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau (CFPB) have brought to light significant concerns regarding Experian's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. § 1681i(a)(1)(A), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. § 1681i(a)(5), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Experian: 1. Conduct a thorough reinvestigation of the following disputed accounts or items [list the specific accounts or items you are disputing]. 2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that cannot be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. Sincerely, [Your Full Name] [Your Contact Information] [Enclosures: Copy of ID, Proof of Address, Supporting Documents]