To Whom It May Concern:
I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request.
Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report:
{dispute_item_and_explanation}
I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Sincerely yours,
{client_signature}
______________________________________
{client_first_name} {client_last_name}