Dear Sir or Madam : I am writing to dispute of a fraudulent account that was conducted on XX/XX/XXXX. Your records are showing that a loan in the amount of {$9000.00} was taken out on my behalf for educational purposes from XXXX XXXX, XXXX XXXX. I was sent a promissory note dated XX/XX/XXXX with a signature that is not mine. I have made multiple attempts contacting the Leander listed on this document providing detailed personal information including my social security number and date of birth, and no information was able to be obtained, speaking with different reps and managers who were unable to pull or retrieve any information regarding this alleged account. I have spoken with a number of different reps from your organization who have referred me to the same people who were also unable to resolve this matter. I was informed that funding for this account was sent to XXXX XXXX XXXX XXXX XXXX for educational payment. I have retrieved all documentation from this school and no payment was ever received from AES or XXXX, XXXX XXXX on my behalf. 
This account has been listed on my records since XX/XX/XXXX with a promissory note dated XX/XX/XXXX. I have contacted my financial institution who has provided information regarding the only checked received and cashed sent by AES which did not reflect the above financial institution. This has caused such a hardship on my family and finances and has consumed a great amount of time proving that this account is not mine or authorized. I have never received any funds from XXXX XXXX personally nor have any funding sent on my behalf to any educational institution from the year XX/XX/XXXX. I have filed the requested paperwork and have included copies for your review. 
I established an account with XXXX / XXXX through AES on XX/XX/XXXX for {$9000.00} which reflects on my original promissory note. Since XX/XX/XXXX, I have been a life learning student completing my degree in the XXXX as a XXXX. There have been on many occasions that this loan has been placed in deferment due to me being in school. I was recently informed that this loan was charged off as none payment, however, this loan should have never been charged off due to my in school deferment. I received a letter from XXXX stating this loan was sent to XXXX collection agency which have presented a negative report on my credit. I have also received a letter from your agency this loan was paid in full on XX/XX/XXXX. You have somehow charged the only account that I have signed and agreed to pay - off. This account needs to be reinstated or forgiven completed and removed from my credit report due to your mishandling.. 
Enclosed is a copy of my Identity Theft Report supporting my position, also enclosed is a copy of XXXX XXXX recent transactions, Financial Activity Summary report from XX/XX/XXXX listing XXXX and XXXX XXXX as lenders, collection letter sent from XXXX, Loan information from XX/XX/XXXX, Promissory notes dated XX/XX/XXXX and XX/XX/XXXX, Financial information regarding only payment received Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, Enclosures : Loan History, Financial Activity Summary