Filing Complaints

You may have to file complaints in order to get the bureaus & creditors to cooperate.  Here are the links to do so:

FTC:  http://www.ftccomplaintassistant.gov/Information

Sample Statement Verbiage: “I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank You.”

If no fraud:  ““I am writing to request that you block the following information from my credit report. I have no recollection of how this inquiry took place and have disputed several times out of fear for my identity being compromised!  I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of this unauthorized inquiry. Please let me know if you need any other information from me to block this information from my credit report. Thank You.”

CFPB:  http://www.consumerfinance.gov/Complaint/(Products & Services/Credit Reporting/Credit Reporting Company’s investigation/Did not get proper notice of investigation status or results/Yes –>  You can use the same verbiage in your dispute letters in this section; Resolution Section:  DELETE).  

Sample verbiage for any CFPB Complaint: I am filing a complaint because (company/credit bureau) has ignored my request to provide me with documents that they have in my file used to verify the accounts I disputed.  Being that they have gone past the 30-day mark and cannot verify these account, under Section 611 (5)(A) of the FCRA, they are required to “promptly delete all information which cannot be verified”.  Please resolve this matter as soon as possible.  Thank you.

(I don’t too much file complaints with BBB; but in case you decide to, here is the link:  https://www.bbb.org/consumer-complaints/file-a-complaint/get-started)