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Information belongs to someone else. I am filing a formal complaint to disputing the accuracy and legitimacy of the following charge-off accounts that are currently appearing on my credit report. This letter serves as a demand for correction and/or deletion in accordance with the Fair Credit Reporting Act ( FCRA ) .FCRA 605B Blocking Information Resulting from Identity Theft : Requires credit reporting agencies to block the reporting of information in a consumers file that results from identity theft within 4 business days of receiving proof. FCRA 611 Dispute Process, Requires credit bureaus to conduct a reasonable investigation upon dispute and remove or correct any information that can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00