Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Fraudulent Accounts and Request for Immediate Deletion Due to XXXX XXXX Breach Exposure To Whom It May Concern : I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX XXXX breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, I demand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Please see attached FTC complaint for all accounts Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.

2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law. 
XXXX. XXXX 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is well-documented. As the affected party, my data was compromised through no fault of my own, and I hold XXXX and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 



Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

My Demands 1. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay.

2. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines.

3. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.

I am providing all necessary documentation to validate my claims, including a copy of my government-issued ID, a copy of my Social Security card , and a copy of the FTC Identity Theft Report filed in connection with the XXXX breach XXXX You are required to process this dispute promptly and accurately, or I will proceed with legal action to protect my rights. 
I expect your response in writing within the legally mandated 30-day period, as required by the FCRA. Failure to comply with this demand will result in immediate escalation, including filing complaints with regulatory agencies and pursuing legal remedies. 

Sincerely, XXXX XXXX