Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute & Legal Notice Unauthorized and Inaccurate Reporting of Accounts Dear Equifax Dispute Department, I am formally disputing the accuracy and legality of the following accounts appearing on my Equifax credit report : XXXX. XXXX XXXX  XXXX  XXXX. XXXX XXXX - XXXX XXXX  Upon reviewing my credit report, I have identified multiple federal law violations regarding these accounts, including : Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Unauthorized disclosure of my nonpublic personal information.

Fair Credit Reporting Act ( 15 U.S.C. 1681b ) Lack of permissible purpose to furnish and maintain these accounts on my credit report.

Aggravated Identity Theft ( 18 U.S.C. 1028A ) Unlawful use and reporting of my personal information without verified authorization. 

Violations and Legal Basis for Dispute XXXX. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions are prohibited from sharing consumer data with third parties without explicit consumer consent. If Equifax can not provide written proof of my consent for the reporting of the above-listed accounts, then this is a direct violation of federal privacy laws. 
Resolution Demand : Immediate deletion of these accounts from my credit file, as they were reported and shared without my authorization. 

XXXX. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose The FCRA ( 15 U.S.C. 1681b ) mandates that a consumer reporting agency may only furnish a credit report under specific permissible purposes, such as a legitimate credit transaction or a court order. 
Proof of Permissible Purpose : Equifax must provide verifiable documentation proving that I authorized the reporting of these accounts. 
Proof of Direct Verification : Under FCRA 611 ( a ) ( 7 ), Equifax is legally required to furnish the following : The exact entity that verified these accounts. 
A copy of the original signed contracts or agreements authorizing this reporting. 
The method by which verification was conducted. 
If Equifax can not produce this evidence, these accounts must be immediately deleted, as their reporting is illegal. 
Resolution Demand : If Equifax can not provide clear and direct proof of verification, the accounts must be permanently removed from my credit report. 

XXXX. Violation of 18 U.S.C. 1028A Aggravated Identity Theft Under 18 U.S.C. 1028A, the unauthorized use or reporting of an individuals personally identifiable information constitutes identity theft. 
If Equifax is reporting fraudulent or incorrect accounts under my name, this could indicate a case of identity theft, negligent reporting, or willful misconduct. Failure to correct these violations may result in legal action against Equifax for its role in maintaining false information on my credit file.

Resolution Demand : If Equifax can not confirm 100 % accuracy of these accounts using legally binding documentation, they must be immediately deleted, and an internal review should be conducted to ensure compliance with federal consumer protection laws.

Formal Demand for Deletion and Legal Compliance Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a formal reinvestigation within 30 days. If these violations are not corrected : I will escalate this matter by filing complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office I will also consider civil action under FCRA 616 and 617, which entitles me to damages of up to {$1000.00} per violation, plus punitive damages. 

Conclusion & Final Notice I expect a written response confirming the removal of these accounts within 30 days from todays date. If Equifax continues to report inaccurate, unauthorized, and unverified information, I will pursue all legal remedies available. 

Sincerely, XXXX XXXX XXXX