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Reporting company used your report improperly. I am a victim of identity theft. My credit report includes fraudulent accounts that were opened without my knowledge or consent and were later reinserted after a prior dispute and deletion without proper notification or compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the following accounts were fraudulently opened and are now improperly reflected on my credit report : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX These accounts were : Not opened by me Previously disputed or deleted Reinserted without notifying me in writing within 5 business days, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The consumer reporting agencies have not fulfilled their legal obligations under the FCR