{{OPERATOR_NAME}}
{{OPERATOR_ADDRESS}}
{{OPERATOR_CITY}}, {{OPERATOR_STATE}} {{OPERATOR_ZIP}}
Date of Birth: {{OPERATOR_DOB}}
SSN (last 4): XXX-XX-{{OPERATOR_SSN4}}

{{TODAY}}

{{BUREAU_NAME}}
{{BUREAU_ADDRESS}}

**Re: Obsolete tradeline — request for removal under FCRA §605**

Dear {{BUREAU_NAME}},

I am writing to dispute the following item on my credit report as OBSOLETE under the Fair Credit Reporting Act, 15 U.S.C. §1681c (FCRA §605), which prohibits the reporting of adverse information older than seven years (ten years for Chapter 7 bankruptcy).

**Account information:**
- Creditor: {{CREDITOR}}
- Account number (last 4): {{ACCOUNT_LAST4}}
- Date of first delinquency: {{DOFD}}
- Reporting bureau: {{BUREAU_NAME}}

This account's date of first delinquency ({{DOFD}}) exceeds the statutory reporting window. Under FCRA §605(a), you are required to remove this account from my credit report. Continued reporting of this obsolete item is a violation of federal law and my rights as a consumer.

Please:
1. Delete this tradeline from my credit report in full
2. Notify all parties who received a copy of my credit report in the past 6 months (or 2 years for employment purposes) of the deletion
3. Send me an updated copy of my credit report reflecting the deletion, within 30 days of receipt of this letter, per FCRA §611

I have enclosed copies (not originals) of identifying documents to satisfy verification requirements.

Thank you for your prompt attention to this matter.

Sincerely,

_______________________
{{OPERATOR_NAME}}

Enclosures: proof of identity (copy of driver's license, copy of utility bill matching current address)

*Sent via USPS Certified Mail with Return Receipt Requested.*
