Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Last XXXX of social # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Customer Relations Department Re : Dispute of Re-Reported Inaccurate Information under 15 U.S.C. 1681s-2 ( a ) To Whom It May Concern : This letter serves as my formal dispute regarding the unauthorized and unjustifiable reinsertion of inaccurate and incomplete information on my credit report. This information had previously been removed due to its inaccuracy, yet it has been reinserted without proper justification, in blatant violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The fact that this reinsertion occurred without my notification or evidence of proper certification from the furnisher is an egregious violation of federal law. This misconduct reflects a failure to comply with procedural safeguards mandated by the FCRA and demonstrates gross negligence in handling consumer disputes. 

Accounts in Dispute 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

These items have already been previously deleted and unjustifiably reinserted. Therefore I demand the following items to be removed immediately as this is a violation of my rights.

As pursuant to the following statutes you violate my rights.

FCRA 611 ( a ) ( 5 ) ( B ) ( i ) : Any reinsertion of deleted information requires certification from the furnisher that the information is complete and accurate.

FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) : Upon reinsertion, the consumer must be notified within five business days, including the name and contact information of the furnisher who provided the certification of accuracy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have not received any notification of this reinsertion, nor have I seen evidence that the furnisher has certified the accuracy of this information. This failure demonstrates noncompliance with the procedural safeguards mandated by the FCRA.

Impact of Inaccurate Reporting and Substandard Investigation The reinsertion of false information has negatively impacted my credit report, damaging my creditworthiness and financial reputation. Furthermore, the handling of my dispute was inadequate : The investigation into my dispute was incomplete, failing to verify the accuracy of the reinsertion properly.

Your process has allowed demonstrably inaccurate information to remain on my credit report despite its prior removal. 
This negligence is part of a larger pattern of improper practices noted in lawsuits currently against Equifax and XXXX have both been found liable for shotty investigation procedures, and unethical tactics and have failed to follow proper investigation procedures. Due to their negligence of abiding the FCRA law and requirements, these credit bureaus have been fined Millions monetarily to reimburse consumers as well as contribute to the Civil Penalty Fund.

The inaccurate information has caused significant harm, including potential denials of credit, higher interest rates, and unnecessary financial stress. I urge you to take this matter seriously to avoid further legal and regulatory consequences.

I would also like to bring to your attention that the reinserted reporting of this debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported directly contributed to my disqualification. This constitutes an adverse action under the FCRA, 15 U.S.C. 1681m.

The denial of employment due to this inaccurate information is both distressing and may be unlawful if the account isn't deleted again. As such, I request that you immediately investigate this matter and cease all collection activities until proper action is taken to delete this inaccurate account once again. 
Relevant Case Law Supporting My Request : Chauncey v. JDR Recovery Inc., 118 F.3d 516 ( 7th Cir. 1997 ) Debt collectors must provide validation upon request and cease collection efforts until proper validation is provided.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Failure to validate a debt prevents debt collectors from continuing collection activities.

Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) Debt collectors must provide accurate and complete information about a debt when validation is requested.

Civil Penalty Fund Under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, Congress established a victims ' relief fund, the Civil Penalty Fund, to compensate individuals harmed by companies that violate federal consumer protection laws.

Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I am formally requesting validation of this debt.

Under the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request the following : Proof that your company is legally entitled to collect this debt, including any contracts, agreements, or assignments that demonstrate your authority.

A detailed accounting of the alleged debt, including a breakdown of the amount and how it was calculated.

Proof that I am the correct debtor, including signed agreements or contracts that demonstrate my legal obligation to pay this debt.

If you claim these items are 100 % accurate and verifiable, I request that you provide me with copies of any documentation associated with these items bearing my signature, as I believe no such signed agreements exist. If no signed agreements are found, I ask that these items be removed from my file.

I am sending this letter certified to protect my rights, as I understand your company may have a history of noncompliance with the FCRA. If you choose to ignore my request, I will refer this matter to my attorney for further action. I hope to resolve this matter without resorting to litigation.

Lastly, you have 30 days to complete this investigation, as required by the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ). I am keeping detailed records of your actions, including your Method of Verification. I do not consent to XXXX or any other automated verification process. 
Sincerely, XXXX XXXX