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Dear Compliance Manager:

This letter shall serve as formal Notice of my Intent to Sue you for violations of the state and federal ( FDCPA/FCRA).

You have been including the following erroneous information on my credit report, even though as I have advised you of this error on (---) separate occasions, the first nearly (-----------------) months ago:

CREDITOR AGENCY, acct. 123-34567-ABC

This item is inaccurate/incomplete/errorneous because ------------. Although you know or have reason to know of this error, you have not complied with the law. and deleted/corrected it. Rest assured, I will hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. You may be liable for your willful non-compliance.

Please :

1. remove this inaccurate and incomplete information, at once;

2. report to me in writing within 30 days that you have; and

3. supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

4. provide the name, address, and telephone number of such creditors;

I will also file a formal complaint with the FTC. This letter invokes my rights under the state and federal laws, including the FDCPA and FCRA.

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