Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and XXXX XXXX XXXX XXXX Dear Equifax XXXX Department, I am writing to formally dispute the accuracy and legality of the following accounts that are appearing on my XXXX credit report, and which are also being reported to Equifax : XXXX XXXX XXXX XXXX XXXX CARD SER Upon review of my credit reports, I have identified multiple violations of federal consumer protection laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), and Aggravated Identity Theft ( 18 U.S.C. 1028A ). XXXX and Equifax 's failure to comply with these laws, and the unauthorized disclosure of my personal information without a permissible purpose, have harmed my creditworthiness and consumer rights. I request your urgent attention to this matter. 
Violations and Legal Basis for Dispute 1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies, are prohibited from disclosing personal data to third parties without my explicit consent. 
XXXX and Equifax have failed to provide proof of my authorization for the reporting and sharing of the accounts listed above, in violation of federal privacy laws. 
Resolution Demand : An immediate investigation and enforcement action compelling both XXXX and Equifax to delete these accounts from my credit file as they were reported and shared without my consent. 

2. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose FCRA 1681b mandates that a consumer reporting agency XXXX only furnish a credit report under specific, permissible purposes, such as a legitimate credit transaction or court order. 
Equifax has not provided proof of permissible purpose for reporting these accounts, nor have they verified that I initiated or authorized the reporting of these accounts. 
My investigation with both XXXX XXXX and XXXX XXXX has revealed that neither company provided me with documentation explicitly allowing them to report or verify these accounts with Equifax or XXXX. 
Resolution Demand : I request that your office demand proof of permissible purpose, including : Verifiable documentation showing that I authorized Equifax and XXXX to collect, store, and disseminate this data. 
Proof of XXXX XXXX XXXX FCRA 611 ( a ) ( 7 ), Equifax is required to provide : The exact entity that verified these accounts. 
A copy of the original documentation used for verification. 
The method of verification. 
If Equifax can not provide the required documentation, these accounts must be immediately deleted from my credit file. 

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft The unauthorized reporting of inaccurate information on a consumers credit file constitutes identity theft under 18 U.S.C. 1028A. 
If Equifax and XXXX are reporting fraudulent or incorrect accounts, I may be at risk for identity theft. These accounts may not belong to me, and I request an immediate review to ensure compliance with identity theft protections. 
Resolution Demand : If Equifax can not verify 100 % accuracy of these accounts with signed contracts or legal documentation, these accounts must be immediately deleted from my credit file, and an internal review of all fraudulent reporting activities must be conducted. 

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 ) My State Attorney Generals Office I will also explore legal 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 from my credit report 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