FIRST CLASS MAIL

(FULL NAME)
(ADDRESS)
(CITY, STATE & ZIP)

(ATTORNEY GENERAL)
(ADDRESS)
(CITY, STATE & ZIP)

DATE:

RE: (NAME OF CREDITOR OR COLLECTION AGENCY)

(ADDRESS)
(CITY, STATE & ZIP)

To Whom It May Concern,

This is a formal request for an investigation into possible violations of state fraud statutes, and for
possible violations of state statutes governing creditors and collection agencies.

On (date) I send (name of company) a notice of dispute (see attached copy) pursuant to the Fair
Credit Reporting Act, section 623, subsection (8)(D). The specific information disputed is the derogatory
nature of the information they have furnished to the credit reporting agencies in connection with the above
mentioned account.

The basis for my dispute was their company was required to notify me prior to, or no later than
30 days after furnishing the negative information to the consumer reporting agencies, in writing… that
such furnishing of information was going to take place. This notification is required under the FCRA, section
623, subsection (7)(A).

However, I was unable to find documentation they complied with this requirement. So I asked them
for documentation to prove they notified me. They were unable or unwilling to provide anything of
substance.

I then sent them a follow-up letter on (date) (see attached copy) giving them 15 days to correct the
situation. However, this time limit has expired and they are still reporting the derogatory information to my
consumer credit report. It is my position they are now acting with full knowledge and intent to injure
my person and defame my character. In addition, if they are attempting to collect a debt, their actions
might also be considered harrassment, fraud and/or extortion.

Your prompt and thorough investigation into this matter is highly appreciated. I look forward to the
results of your investigation.

Sincerely,

(Your Name / Sign Above)