Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of Accounts Dear Equifax Dispute Department, I am formally disputing the following accounts that are inaccurately and unlawfully appearing on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicate Reporting ) XXXX  Upon review, I have identified multiple violations of federal consumer protection laws, specifically : 15 U.S.C. 6802 Unauthorized disclosure of my nonpublic personal information.

15 U.S.C. 1681b Lack of permissible purpose for reporting these accounts.

18 U.S.C. 1028A Potential fraudulent or unauthorized reporting constituting identity theft.

These violations have resulted in the unauthorized use and dissemination of my personal financial information, harming my creditworthiness and consumer rights.

1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies are prohibited from disclosing personal data to third parties without my explicit consent. 
Resolution Demand : Provide documented proof that I explicitly authorized Equifax to collect, store, and report these accounts. 
If no such authorization exists, these accounts must be permanently deleted from my credit file.

2. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose The Fair Credit Reporting Act ( 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 initiated by the consumer.

Resolution Demand : Provide verifiable documentation proving that I authorized Equifax to report these accounts.

Under FCRA 611 ( a ) ( 7 ), I demand : The name and contact details of the entity that verified these accounts. 
A copy of the original documentation used for verification. 
The method of verification used. 
If Equifax can not provide these documents, the accounts must be deleted immediately for failure to establish a permissible purpose.

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft The unauthorized reporting of inaccurate or fraudulent information on a consumers credit report may constitute identity theft under 18 U.S.C. 1028A.

Resolution Demand : If Equifax can not verify 100 % accuracy of these accounts, including my signed contractual agreements, these accounts must be deleted immediately from my credit report.

Equifax must conduct an internal review to prevent future unauthorized reporting of potentially fraudulent accounts.

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

5. Compliance Deadline and Final Notice I expect a written response within 30 days confirming the removal of these accounts from my credit file. If Equifax continues to report this unauthorized, inaccurate, and unverified information, I will take all necessary legal and regulatory actions to protect my consumer rights. 

Sincerely, XXXX XXXX, XXXX