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Billing dispute for services. I am filing a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for a violation of the Fair Credit Reporting Act ( FCRA ), specifically subsection 605 ( b ). Details of the Complaint : Account in Question : Fraudulent car loan with XXXX XXXX XXXX XXXX Date of Discovery : [ XX/XX/year> ] I recently discovered a fraudulent car loan account from XXXX XXXX XXXX XXXX on my credit report. I promptly disputed this account with the credit reporting agencies, as it was not authorized by me and is the result of identity theft. Under FCRA subsection 605 ( b ), any information that can not be verified as accurate within a reasonable time ( typically 30 days ) must be deleted from a consumers credit report. Despite my dispute, the fraudul