Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Immediate Action under 15 U.S.C. 1681c-2 ( a ) and 15 U.S.C. 1681c ( a ) ( Section 605 of the FCRA ) To Whom It May Concern, This letter serves as a formal dispute regarding inaccurate and fraudulent information appearing on my credit report. Specifically, the following accounts and inquiry, which I did not authorize or open, must be removed immediately : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXX Department of Education - Account # XXXX Basis for Dispute Identity Theft and FCRA Requirements Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving appropriate documentation. I am a victim of identity theft and have taken proper steps, including filing an identity theft report and notifying the relevant parties. 

Additionally, under 15 U.S.C. 1681c ( a ) ( commonly referred to as the Section 605 Rule ), credit reporting agencies are prohibited from reporting information that can not be verified or that stems from fraudulent activity, such as identity theft. These rules go beyond a standard dispute resolution process. Section 605 mandates that the credit reporting agency must remove fraudulent accounts and inquiries, not merely flag them or turn them into a regular dispute process.

Failure to Validate and the Equifax Data Breach I have requested, multiple times, the original documentation from the furnishers that proves I opened or authorized these accounts. Neither you nor the furnishers have provided this evidence, which is a direct violation of 15 U.S.C. 1681s-2.

Furthermore, the Equifax Data Breach in 2017 compromised my personal information, leading to the creation of fraudulent accounts in my name. As this data breach is well-documented and directly linked to widespread identity theft, you are obligated to take immediate corrective action under the FCRA and FDCPA.

Actions Requested Pursuant to the FCRA, I demand the following actions : 1. Immediate blocking and removal of the fraudulent accounts and inquiry listed above from my credit file under 15 U.S.C. 1681c-2 ( a ) and 15 U.S.C. 1681c ( a ) ( Section 605 Rule ).

2. Ensure the accounts are not simply flagged as disputed but permanently removed as required under Section 605.

3. Provide written confirmation of the deletion of these accounts and inquiry. 


4. Documentation verifying your investigation and the source of the information related to these accounts, if any. 

XXXX. Removal of addresses from the Report XXXX XXXX XXXX, XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Civil Remedies Failure to comply with these requests will leave me no choice but to pursue a civil suit under : 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful and negligent noncompliance with the FCRA.

15 U.S.C. 1692k for violations of the Fair Debt Collection Practices Act ( FDCPA ).

Additionally, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and escalate the matter to state and federal regulators. 



Failure to act on this dispute within the legally required timeframe will serve as further evidence of your noncompliance with federal law. I expect written confirmation of your actions within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX This request is to put emphasis on 15 U.S.C. 1681c ( a ) ( Section 605 of the FCRA ), explicitly clarifying that fraudulent accounts must be removed, not simply flagged.