Stop accepting blatant inconsistencies. Just use the exact phrasing to resolve it.
Buy for $7
To the Manager of Records,
[A] 104th St.
[I] City, [State Zip]
Re: Dispute of Fraudulent Account (Acc. ID: [I removed the redacted text here for security], Card ID: [I removed the redacted text here for security])
[This] is my formal request to investigate and delete the account associated with my identity. I have reviewed my credit report and notice a revolving credit account that I did not apply for and do not recognize.
Because I did not open this account and do not recognize it, I claim this account is fraudulent. Per the Fair Credit Reporting Act (FCRA) Section 611, I am requesting a reinvestigation of this item, along with the deletion of all associated tradelines if my claim is not resolved within the specified timeframe. Please send: - Your written request for documentation - Results of the reinvestigation - A free, updated copy of my consumer credit report showing the deletion of this fraudulent account Enclosures: - 2025 IRS Form 13614-C. - Identity Verification Documentation (Driver License / Passport) - Copy 1 of 2 (for your file) - Copy 2 of 2 (for my file)