Fidelity National Information Services, Inc. (fnis)

Name : XXXX XXXX Address Line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Document Date : XX/XX/XXXX Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors.…

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I am filing this complaint against ChexSystems , Inc. for failing to conduct a reasonable reinvestigation and for continuing to report inaccurate and misleading information in my consumer file. ChexSystems is currently reporting an entry furnished by XXXX XXXX XXXX XXXXXXXX. as Suspected Fraud Activity with a closure date of XX/XX/year>, despite the confirmed status of NO MONETARY LOSS. I previously disputed this information, and ChexSystems responded that the item was verified as accurate and complete. However, this verification appears to rely solely on the furnishers response and not on an independent or reasonable investigation.…

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To Whom It May Concern, This letter serves as a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing the accuracy and validity of the account reported by XXXX and listed on my ChexSystems consumer file as Account Abuse in the amount of {$21000.00}, dated XX/XX/year>. This account is not mine, was never authorized by me, and is the result of identity theft. Your records indicate that this item was previously verified. However, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation when a consumer disputes information and provides additional supporting documentation. A superficial or automated verification process does not satisfy your statutory obligations. Enclosed are supporting documents, including : - Federal Trade Commission Identity Theft Report Under 15 U.S.C.…

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In XX/XX/year>, I discovered my identity was used without permission to open fraudulent bank accounts at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I never authorized these accounts. I filed an FTC Identity Theft Report and demand all fraudulent accounts be closed immediately, removed from my records, and that I be held not liable for any related activity.

No late payments permitted on any report ever also what does 18 USC 8 and public law 73-10/HJR 192 Why are my obligations not handled appropriately payment requires proper presentment. See UCC 3-603 and UCC 1-308 Why am I treated like primary obligor and how am I supposed to pay anyways sounds like extortion and collusion and coercion how does anyone do so and not violate public law 73-10 and 18 USC 9.

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XXXX Subject : Identity Theft Affidavit FCRA 605B Block Request To Whom It May Concern : I am a victim of identity theft and fraud. I have identified multiple accounts and unauthorized hard inquiries on my consumer credit reports with XXXX XXXX XXXX XXXX that I did not open, authorize, or benefit from. The following accounts are fraudulent and must be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any associated collection accounts The following hard inquiries are unauthorized and must also be removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a fraudulent account…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXXXXXX XXXXXX/XX/XXXX Subject : Formal Complaint Fraudulent Accounts Reporting on ChexSystems To Whom It May Concern, I am writing to file a formal complaint regarding fraudulent accounts that have been reported on my ChexSystems file without my authorization or knowledge. I have identified the following accounts as fraudulent and not belonging to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | ACCT # : XXXX | Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX | ACCT # : XXXX | Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX : XXXX | ACCT # : XXXX | Date of Closure : XX/XX/XXXXXXXX I did not open or authorize these accounts and believe they are the result of identity theft or fraudulent activity. I have disputed these accounts directly with the consumer reporting agencies and/or the creditors ; however, the matter has not been properly resolved.…

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am filing a complaint regarding inaccurate and harmful reporting by ChexSystems and XXXX XXXX XXXX. Accounts associated with me have been classified under account abuse ( Code XXXX ), but no clear or detailed explanation has been provided to support this classification. Based on my XXXX XXXX report, the activity reflects overdrafts and insufficient funds, not intentional misuse, fraud, or abuse of banking services. XXXX XXXX own definitions indicate that account abuse may be reported even when a full investigation has not been completed. This raises concerns that these accounts may have been inaccurately or prematurely classified without proper verification. I previously disputed this information and requested documentation, including proof of how the account abuse determination was made, a complete transaction review, and confirmation that a full investigation was conducted. However, I have not received sufficient documentation to support the reporting.…

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To Chex systems report, I am a victim of XXXX XXXX. I am writing to formally dispute fraudulent information appearing on my Chex systems consumer file. The account ( XXXX ) listed below do not belong to me and resulted from the unauthorized use of my personal identifying information following a data breach. FRAUDULENT ACCOUNT INFORMATION TO BE BLOCKED : Financial Institution : PENNSYLVANIA XXXX EMPLOYEES CU Routing/Account Number : XXXX / XXXX Reporting XXXX " Furthermore, I have contacted PENNSYLVANIA STATE EMPLOYEES ' XXXX directly regarding this XXXX. The institution has informed me that they have no record of any such account in my name or associated with my Social Security Number. Since the furnisher can not verify the existence of this account, it is patently inaccurate and must be removed immediately. '' LEGAL DEMAND PURSUANT TO FCRA 605B ( 15 U.S.C.…

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I am submitting this complaint as a victim of identity theft and fraudulent reporting. My consumer report contains multiple unauthorized bank accounts, inquiries, and addresses that I did not initiate, approve, or have any connection to. Despite my efforts to review my records, I have confirmed that this information is inaccurate and the result of identity theft. These errors are causing significant harm to my financial standing and must be corrected immediately. The following addresses are fraudulent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are also unauthorized and must be deleted : XXXX XXXX XXXX XXXX…

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Subject : Formal Complaint Failure to Block Fraudulent XXXX XXXX Account ( Identity Theft FCRA Violation ) To Whom It May Concern, I am submitting this complaint regarding inaccurate and fraudulent reporting by XXXX XXXX and ChexSystems. I am a verified victim of identity theft and have submitted an official FTC Identity Theft Report ( attached ). The fraudulent account in question is : - Institution : XXXX XXXX - Reported Issue : Account Abuse - Amount : Approximately {$240.00} - Date Reported : XX/XX/year> Account # : XXXX This account was not opened or authorized by me and was the result of identity theft. I have already taken the proper legal steps : - Filed an official FTC Identity Theft Report - Reported the fraud to financial institutions- Completed identity theft documentation and investigations As a result, XXXX XXXX XXXX XXXX XXXX ) has already blocked this exact XXXX XXXX account from my consumer file due to identity theft.…

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I took a look at my credit report and noticed some unathorized accounts.In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Original Charge Off Amount : {$1000.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than 7 years 15 U.S.C.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Consumer Reporting Agency XXXX XXXX XXXX XXXX XXXX Chexsystems Subject : Formal Dispute of Inaccurate Consumer Report Information Dear XXXX or XXXX, I am writing to formally dispute inaccurate information contained in my consumer report, including data associated with XXXX XXXX XXXX The report includes incorrect and/or unverifiable information related to the following financial institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my consumer report and determined that certain entries associated with these institutions are inaccurate, incomplete, or do not belong to me. This misinformation has adversely affected my ability to obtain and maintain banking services. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that you conduct a thorough reinvestigation of these items.…

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This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, ChexSystems, block information appearing on my consumer report that is the result of identity theft and fraud within four business days of your receipt of this complaint. This fraudulent, inaccurate, and false information consists of the following. Fraudulent Account : XXXX XXXX XXXX XXXX Account ending XXXX Balance {$2200.00}. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Pennsylvania XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, U.S. Postal Service XXXX XXXX XXXX XX/XX/XXXX, XXXX New Jersey XX/XX/XXXX, XXXX XXXX on behalf of XXXX Bank XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX on behalf of XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.…

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I am filing this complaint against ChexSystems for failure to comply with the Fair Credit Reporting Act. On XX/XX/year>, ChexSystems received my written dispute regarding information reported on my consumer file. This dispute was sent via certified mail, and I have proof of delivery. Under the Fair Credit Reporting Act, ChexSystems is required to investigate and respond within 30 days. As of today, more than 30 days have passed, and I have not received any response, results of an investigation, or notification of any action taken. This is a direct violation of federal law. Due to this noncompliance, I am requesting the immediate deletion of all disputed information from my ChexSystems consumer file. This issue is preventing me from opening a checking account, and I have made a good faith effort to resolve this matter directly with ChexSystems before filing this complaint.…

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Subject : Formal Complaint Unauthorized Reporting and Failure to Ensure Accuracy ( FCRA Violations ) To Whom It May Concern, I am submitting this complaint regarding ChexSystems , Inc. for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ChexSystems has reported and maintained information on my consumer file without proper verification, permissible purpose, or my informed written consent. This constitutes a violation of : 15 U.S.C. 1681b Permissible Purpose 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681c-2 Blocking of Inaccurate Information I have reason to believe that the data being reported is inaccurate, incomplete, or unverifiable. Additionally, I did not authorize ChexSystems to furnish or retain this information. I formally demand the following : 1. Immediate reinvestigation of all disputed items 2.…

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the following inquires do not belong to me and i am requesting chexsystems to delete, remove and suppress them from my chexsystems report california XXXX XXXX XXXX, XXXX payments/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a part of XXXX, XXXX XXXX all XXXX inquires so not belong to me, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX

My name is XXXX XXXX XXXX, and I am a victim of identity theft. I have never knowingly opened, authorized, or used any of the accounts currently being reported under my name through XXXX XXXX XXXX, Cheksystems and XXXX XXXX XXXX. There are multiple fraudulent accounts and activities tied to my identity, including bank accounts, telecommunications accounts, and check activity that I do not recognize. Unauthorized Bank Accounts : XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX XXXX reported in XXXX These accounts also show check deposits and returned checks. I have no knowledge of these transactions. I have never opened or used accounts with these institutions, nor have I deposited or written any checks associated with them.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attn : Fraud / Disputes Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : FCRA/FDCPA Dispute Fraudulent Account / Identity Theft Re : Account ending in XXXX To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally dispute the above-referenced account reported by XXXX to ChexSystems under my name. ACCOUNT DETAILS Furnisher : XXXX Reported For : Suspected Fraud Activity RTN/ACCT # : XXXX Date of Closure : XX/XX/XXXX Reported Amount : {$310.00} UNPAID Address on File : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX BASIS FOR DISPUTE I did not open, authorize, or use this account. The address associated with this account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX is not and has never been my address. I have never resided there.…

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am submitting this complaint because fraudulent banking records are being reported in my ChexSystems consumer file as a result of identity theft. I did not open, authorize, or benefit from the following accounts, and I did not authorize any transactions, overdrafts, returned items, account abuse, closures, or fraud-related activity connected to them : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and are the result of identity theft. Despite my dispute, this inaccurate information is causing harm to my consumer banking history and may prevent me from opening legitimate bank accounts.…

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I am writing to file a formal complaint against ChexSystems, a nationwide consumer reporting agency regulated under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. ChexSystems is willfully or negligently violating my rights as a consumer by continuing to report XXXX fraudulent and inaccurate items in my consumer file. These inaccuracies are causing me significant harm by damaging my ability to open banking accounts and violating my right to privacy and accuracy in consumer reporting. Specifically : Company or Organization : XXXX BANK ; XXXX XXXX XXXX RIVERSIDE RI XXXX Account Number : XXXX. Company or Organization : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX MA XXXX Account Number : XXXX. XXXX. XXXX report shows an account that was paid in full, yet ChexSystems continues to report it as negative or unpaid. This information is demonstrably inaccurate and should have been updated or deleted. XXXX.…

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Check x system is not the proper value to protect banking system. Someone illegally access my account. This person have my social and generated match sane id as drive lic to send me with social. This person several file report in. Local police. But they know. But they never did anything. Check x system.my online portal accounts is not my Access And international employee check x system. Asking me to send usps thats big fraud my mail is still last week XXXX they hire easy to located my new address and give them fraud people to send me another illegal drugs. They expected me to send check x system Social, id just verify for account protect As I know this social copy is illegal. To send or mail.other My id and social leak in local police XXXX and my mail steal same location. I am. no more trust my location. And guy follow my car came to. XXXX XXXX hire someone to be follow and several time I. See those person noted car number.…

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In XX/XX/XXXX, I obtained my ChexSystems consumer disclosure report ( dated XX/XX/XXXX ) and discovered XXXX unauthorized hard inquiries in the " Inquiries Viewed By Others '' section that I did not initiate or authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also discovered unrecognized personal information in my file, including an address, XXXX email addresses, and a phone number that I never provided and did not authorize, which may be indicative of identity fraud. On XX/XX/XXXX, I sent a formal dispute letter to ChexSystems via Certified Mail disputing all XXXX unauthorized inquiries and demanding removal of the unrecognized personal information under the FCRA ( 15 U.S.C. 1681b and 1681i ). ChexSystems responded through the CFPB portal but failed to address any of the actual issues raised.…

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I attempted to open a checking account, but the bank declined me due to a ChexSystems report showing a closed account from a fraudulent check. The check in question was reported to the bank, and a police report was filed, but I do not have a copy at this time. The bank was aware the debt was fraudulent, yet the account closure and ChexSystems reporting remain, preventing me from opening a new account. I have made attempts to dispute this directly with the bank and ChexSystems, but the issue has not been resolved. I am requesting removal of this record so I can access banking services.

On XX/XX/year> I disputed some accounts with ChexSystems, with a confirmation ID : XXXX No target date was given, nor any correspondence received. My complaint exceeded XXXX days and was subsequently, and quietly ignored. I ask that these accounts be deleted, per FCRA regulation 611, as they can not be verified and ChexSystems took longer than XXXX days to respond to my request.

This complaint is submitted pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., against the consumer reporting agencies and all furnishers of information presently reporting on my consumer file. I am formally asserting that my consumer report contains information that is inaccurate, incomplete, misleading, and unverifiable, and that the continued reporting of such information constitutes a willful and negligent failure to comply with federal law. Despite prior disputes, the reporting entities have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ), and have instead relied on automated or superficial verification processes that do not satisfy the statutory requirement of a good-faith, independent investigation. The furnishers have likewise failed to comply with their duties under 15 U.S.C.…

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Subject : CFPB Complaint Identity Theft and Demand for Immediate Removal of Fraudulent Account To Whom It May Concern, I am submitting this complaint regarding fraudulent financial activity resulting from identity theft. I have already filed an official Identity Theft Report with the Federal Trade Commission through XXXX ( FTC Report Number : XXXX ), confirming that my personal information was used without my authorization. As a result of this identity theft, a XXXX XXXX checking account and related transactions were opened in my name without my knowledge or consent. I did not apply for, authorize, or benefit from this account in any way. The account is fraudulent and the result of criminal misuse of my personal information. I have taken immediate steps to protect my identity and have disputed this account with the relevant institutions and consumer reporting agencies.…

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The information reported on my credit file contains inconsistencies, conflicting data, and material errors that undermine the credibility and accuracy of the accounts being furnished. I did not authorize or consent to any inaccurate reporting of these items. Additionally, I was not given prior notice or a meaningful opportunity to dispute, challenge, or restrict the reporting before it appeared on my credit filed, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am submitting this complaint regarding ChexSystems reporting of unauthorized inquiries on my consumer file. After reviewing my ChexSystems consumer report, I discovered inquiries associated with XXXX on behalf of XXXX XXXX dated XX/XX/XXXX and XXXX XXXX on behalf of XXXX XXXX dated XX/XX/XXXX. I did not authorize, apply for, or consent to any credit inquiry, account, or financial service with these entities. These inquiries appear to involve the unauthorized use of my personal identifying information. Because they were not authorized by me, they do not meet the permissible purpose requirements under the Fair Credit Reporting Act. I have already submitted an Identity Theft Report through XXXX and provided documentation to ChexSystems requesting that these fraudulent inquiries be blocked and removed pursuant to the Fair Credit Reporting Act, including Sections 605B, 604, and 611.…

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XXXX XXXX, ( XXXX ). ( XX/XX/year> ), Contents of Complaint : I am writing to request an investigation of the following accounts I have NEVERED opened or used. The accounts listed below, I'm requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request. The accounts consist of a Bank account opened at XXXX XXXX XXXX. Bank XXXX # : XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX.