Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Compliance Dispute and Cease and Desist Request To Whom It May Concern, This letter is a formal request for compliance under the Metro 2 format guidelines and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692. The following issues require immediate attention : Dispute of Information In accordance with 15 U.S.C. 1681i, I am disputing the accuracy and validity of the following information on my credit report. This dispute also serves as a notice to ensure all furnished information is reported accurately using the Metro 2 format to comply with federal reporting standards. Below are the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open Date Opened : XX/XX/XXXX Balance : {$200.00} Past Due : {$0.00} Payment Status : Collection/ChargeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Closed Date Opened : XX/XX/XXXX Balance : {$180.00} Past Due : {$0.00} Payment Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXXXXXX ) ** Status : Closed Date Opened : XX/XX/XXXX Balance : {$400.00} Past Due : {$0.00} Payment Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX  Status : Closed Date Opened : XX/XX/XXXX Balance : {$3100.00} Past Due : {$0.00} Payment Status : Collection/Charge-Off XXXX XXXX  ( XXXXXXXX XXXX XXXX Status : Open Date Opened : XX/XX/XXXX Balance : {$790.00} Past Due : {$0.00} Payment Status : Collection/Charge-Off XXXX XXXX ( XXXX ) ** Status : Closed Date Opened : XX/XX/XXXX Balance : {$1000.00} Past Due : {$1000.00} Payment Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX  Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} Past Due : {$0.00} Payment Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX  Status : Closed Date Opened : XX/XX/XXXX Balance : {$22000.00} Past Due : {$22000.00} Payment Status : Collection/Charge-Off XXXX XXXX XXXX ( XXXX ) ** Status : Closed Date Opened : XX/XX/XXXX Balance : {$790.00} Past Due : {$790.00} Payment Status : Collection/Charge-Off Required Actions Validation : Provide documentation verifying the accuracy of each disputed account, including signed agreements or original contracts, to confirm they are attributable to me. 

XXXX XXXX Compliance : Ensure all data furnished to the credit bureaus complies with the XXXX XXXX reporting standards. Any discrepancies or inaccurate reporting must be corrected immediately. 

Removal of Inaccurate Items : Delete any unverifiable or inaccurate information from my credit file in accordance with 15 U.S.C. 1681c.

Fraud and Identity Theft As a victim of the data breaches involving Equifax and XXXX, I am fully aware of the ongoing lawsuits related to these breaches and their implications. These breaches have directly impacted my personal information and credit profile, further substantiating my claim of identity theft and fraudulent activity. 

I have filed an FTC complaint regarding fraud and identity theft under 15 U.S.C. 1681c-2. This complaint includes allegations of unauthorized accounts and inquiries. Please reference the FTC affidavit as part of your investigation.

Additionally, I request the immediate removal of all unauthorized hard inquiries from my credit file, as these were made without my explicit consent or authorization.

Cease and Desist Request Under 15 U.S.C. 1692c ( c ), I formally request that you cease all communication with me regarding any alleged debts. Further communication must be limited to : Notification of intent to take specific legal action.

Confirmation that no further collection efforts will be made.

Compliance Timeline You are required to complete your investigation and provide written confirmation of your findings within 30 days of receipt of this letter. Failure to comply with federal law and Metro 2 guidelines may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Please address all correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX