Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am submitting this formal dispute and demand for the immediate deletion of fraudulent accounts, incorrect personal data ( addresses and phone numbers ), and an erroneous eviction record that have severely impacted my credit profile. These inaccuracies are a direct result of identity theft and the massive Equifax data breach, which exposed my Social Security number, addresses, and financial information, leading to unauthorized activity in my name.

Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Housing Act ( FHA ) , and the California Consumer Privacy Act ( CCPA ), I demand the immediate removal of fraudulent, unverifiable, and inaccurate information.

-- - EQUIFAX DATA BREACH & IDENTITY THEFT IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS Due to the Equifax data breach, my personal information was stolen and used to open unauthorized accounts. I never authorized or applied for the following accounts, and their presence on my credit report is fraudulent and illegal. Under FCRA 605B, any credit account resulting from identity theft must be removed immediately. 

DISPUTED ACCOUNTS ( REMOVE IMMEDIATELY ) : XXXX XXXX XXXX XXXX ( Account # Ending in XXXX ) FRAUDULENT NOT my accountopened using compromised personal data. 

Illegally reported charge-offviolates FCRA 605 ( a ) ( 5 ).

Creditor failed to validate the debt, violating FCRA 609 ( a ) ( 1 ) ( A ). 

DEMAND : PERMANENT DELETION IMMEDIATELY. 



XXXX. XXXX XXXX ( Account # Ending in XXXX ) FRAUDULENT Never opened, used, or authorizedresult of identity theft. 

Unlawful charge-off reporting, harming my credit unlawfully. 

Violates FCRA 605Bfraudulent accounts must be removed.

DEMAND : PERMANENT DELETION IMMEDIATELY. 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FRAUDULENT COLLECTION ACCOUNT This is NOT my debt, falsely placed for collection. 
No debt verification providedviolating FCRA 609 and FDCPA 15 U.S.C. 1692g ( b ). 

DEMAND : PERMANENT DELETION IMMEDIATELY. 





-- - IMMEDIATE REMOVAL OF INCORRECT ADDRESSES & PHONE NUMBERS Due to fraudulent activity resulting from the XXXXquifax data breach, numerous inaccurate addresses and phone numbers are improperly attached to my credit profile. 

I hereby demand the immediate removal of all previous addresses and phone numbers, EXCEPT for the following : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NJ XXXX Phone Number : XXXX All other addresses and phone numbers are erroneous, outdated, or linked to identity theft. Reporting agencies must delete them immediately under FCRA Section 609 ( a ) as unverifiable information.

-- - UNLAWFUL LANDLORD-TENANT EVICTION RECORD ( REMOVE IMMEDIATELY ) I am also disputing and demanding the removal of an inaccurate eviction record that is erroneously associated with my name. 

Disputed Eviction Case Details : Defendant Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ Case # : XXXX Court : XXXX XXXX XXXX NJ Filing Date : XX/XX/XXXX Disposition : Warrant of Removal ( XXXX ) LEGAL VIOLATIONS RELATED TO THIS EVICTION RECORD : XXXX. FCRA 15 U.S.C. 1681c ( a ) prohibits credit bureaus from reporting inaccurate, outdated, or unverifiable eviction records beyond seven years. This record is legally disputable and should not be included on any background or credit screening reports.

2. Fair Housing Act ( FHA ) 42 U.S.C. 3601 prohibits discriminatory tenant screening practices that rely on inaccurate eviction data to unfairly deny housing opportunities. The presence of this false eviction record has already negatively impacted my ability to secure housing. 


3. California Fair Reporting Act ( CFRA ) & Consumer Financial Protection Bureau ( CFPB ) 2022 Ruling on Tenant Screening Violations state that eviction records must be accurate, complete, and legally reportable. 


XXXX. XXXX and XXXX XXXX XXXX, the data providers for this landlord-tenant report, FAILED to verify this eviction record before reporting it. This constitutes negligence and a violation of my consumer rights. 



DEMAND FOR ACTION REMOVE IMMEDIATELY all fraudulent credit accounts and charge-offs listed above. 

REMOVE IMMEDIATELY all incorrect addresses and phone numbers except : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NJ XXXX Phone Number : XXXX REMOVE IMMEDIATELY the fraudulent eviction record, as it is an inaccurate and misleading public record. 

Provide WRITTEN CONFIRMATION within 30 days that all disputed items have been permanently removed. 

Ensure these accounts, personal records, and eviction records are NOT reinserted or sold to third-party debt collectors. 


NOTICE OF ESCALATION IF NOT RESOLVED If this matter is not resolved immediately, I will escalate this case by : Filing complaints with the Federal Trade Commission ( FTC ), State Attorney General, HUD, and CFPB Enforcement Division.

Initiating legal action under FCRA, FDCPA, CFRA, and Fair Housing Act Violations. 

I expect a response within 30 days per federal law.