Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute regarding the handling of my data deletion request, and a demand that you immediately cease and desist from sharing my consumer information without my explicit consent, especially via credit reports. I further demand the immediate removal of any negative or inaccurate information you have reported about me to any credit reporting agencies.

Your response directing me to log in to an online portal is unacceptable and insufficient. I require a direct, written response outlining the specific data you have collected about me, what data you have deleted, and what data, if any, you are retaining and the legal basis for retaining it.

Your statement regarding the potential continuation of direct marketing is deeply troubling and potentially violates my rights under the CCPA/CPRA, FTCA, and other applicable privacy laws. Furthermore, your reporting of information to credit bureaus without my written consent, thereby causing harm to my reputation by impacting my ability to obtain credit, housing, and other essential services, is a serious violation.

Specifically, I invoke the following legal provisions : CCPA/CPRA : These acts grant consumers the right to know what personal information is being collected, the right to delete that information, and the right to opt-out of the sale or sharing of their personal information. Your current practices appear to contradict these rights.

FTCA : This act prohibits unfair or deceptive acts or practices in commerce, which could include the unauthorized sharing of personal information, especially in a manner that negatively impacts a consumer 's creditworthiness.

15 U.S. Code 1681b ( a ) ( 2 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) is critical. It explicitly outlines the permissible purposes for furnishing consumer reports. It states that a consumer reporting agency may furnish a consumer report only ( A ) in response to a court order requiring the report ; ( B ) in accordance with the written instructions of the consumer to whom it relates ; or ( C ) to a person which it has reason to believe ( i ) intends to use the information for credit, insurance, or employment purposes, or ( ii ) is a government agency. You have no permissible purpose under this section to report my information to credit bureaus. I have never provided written instructions authorizing you to do so, and none of the other permissible purposes apply. Your reporting, therefore, is a direct violation of the FCRA.

15 U.S. Code 1692c ( b ) : This section of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from communicating with a consumer about a debt if the consumer has notified the debt collector in writing that the consumer refuses to pay or that the consumer wishes the debt collector to cease communication. While this may not be a debt collection matter, the principle of ceasing communication without written consent applies forcefully to the context of my request to delete data and cease reporting, particularly given the harm being caused.

15 U.S. Code 1692e : This section of the FDCPA prohibits debt XXXX from using any false, deceptive, or misleading representation or means in connection with the collection of any XXXX debt. Inaccurately or illegally reporting information to credit bureaus, especially after a data deletion request, could be construed as a deceptive practice. 

XXXX www.federalregister.gov, www.federalregister.gov I have never given you written consent to communicate with me, especially not via credit reports. Your actions are causing demonstrable harm to my reputation, impacting my ability to obtain credit, housing, and other essential services. 
Therefore, I demand the following actions within four ( 4 ) days : Immediate Removal : Immediately remove all information pertaining to me from any and all credit reporting agencies you have reported to.

Detailed Response : Provide a comprehensive written response within 30 days, detailing the specific personal information you have collected, the sources, purposes, what data has been deleted, what is retained and why, and specifically confirm in writing the date on which you instructed the credit bureaus to delete my information. 

Cease and Desist : Immediately cease and desist from selling, sharing, or disclosing my personal information to any third parties without my explicit, informed consent. This includes all forms of communication, including credit reporting, direct marketing, and any other channels. 

Confirmation of Deletion : Provide written confirmation that my personal information has been permanently deleted from all your systems, including backups, except for any data specifically identified as being retained and the legal basis. 

I will not accept a 30-day dispute process. I expect immediate action on the removal of the harmful credit reporting. 

Failure to comply will leave me no choice but to pursue all available legal remedies, including complaints to the appropriate regulatory authorities ( California Attorney General, FTC, CFPB ), and private legal action.