CONSUMER FINANCIAL PROTECTION BUREAU, BETTER KNOW AS CFPB; this letter is like getting the officals or the referee involved in the fight. This CFPB letter is your regulator against the credit bureaus (CRA). When the CRA continues to report the incorrect or invalid info on your report from the furnisher(creditor) and your attempts to have them stop or correct the info have failed or been ignored, GET THE CFPB on them. This is the formal letter to file a complaint. This is how you take legal actions and get fines leved against the creditor & bureau! FORMAL DISPUTE LETTER