Initial CRA Dispute - Account Not Mine / Identity Confusion

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] | Email: [CLIENT EMAIL] DOB: [CLIENT DOB] | SSN (last 4): XXX-XX-[CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER] RE: Reinvestigation Demand Pursuant to FCRA 15 U.S.C. § 1681i — Unfamiliar Account ('Not Mine') To Whom It May Concern at [BUREAU NAME], I am writing to formally dispute an account appearing on my credit file that does not belong to me. Under Section 611 of the Fair Credit Reporting Act (15 U.S.C. § 1681i), [BUREAU NAME] must conduct a complete reinvestigation upon receiving notice of an unauthorized or unfamiliar account. The account listed below is entirely unfamiliar and is NOT mine: Unfamiliar Creditor: [ACCOUNT CREDITOR NAME] Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Reported Date Opened: [ACCOUNT DATE OPENED] Dispute Reason: [ACCOUNT DISPUTE REASON] Requested Action: [ACCOUNT CORRECT INFORMATION] I have never entered into a contract with this entity, nor did I authorize the opening of this account. Under 15 U.S.C. § 1681i(a)(5)(A), please conduct a thorough reinvestigation. If the data furnisher cannot produce an original signed agreement or verifiable proof of liability bearing my signature and identity, [BUREAU NAME] must delete this record from my consumer file immediately. Sincerely, ____________________________________ [CLIENT FULL NAME]