Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Formal Dispute and Immediate Request for Deletion of Fraudulent Collection Account Under FCRA and FDCPA To Whom It May Concern, I am writing to formally dispute the fraudulent reporting of a collection account by XXXX XXXX XXXX ( XXXX ) on my Equifax credit report. I am a victim of identity theft, and this account does not belong to me. I have included a police report and an FTC Identity Theft Report as evidence of fraud. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate deletion of this account from my credit report. 

This issue has persisted for many months, despite my multiple attempts to resolve it. I demand this matter be addressed and resolved immediately to prevent further damage to my credit and financial standing. 

The following fraudulent accounts are in dispute : Creditor Name : Portfolio Recovery Associates Balance : {$4400.00} ( as of one report ) and {$3500.00} ( as of another ) Account Status : Open ( incorrectly reported ) Date Opened : XX/XX/year> / XX/XX/year> Legal Violations : FCRA Violation Fraudulent Account Reporting ( 15 U.S.C. 1681c-2 ) Under the FCRA, consumers who are victims of identity theft have the right to demand the immediate deletion of fraudulent accounts from their credit reports. 

FCRA Violation Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to ensure the accuracy of reported data.

This account is fraudulent, and its presence is a violation of my rights under federal law.

FCRA Violation Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) I demand a thorough reinvestigation of this fraudulent account. 

Since I have provided official reports verifying the fraud, the account must be deleted immediately. 

FDCPA Violation Misrepresentation of Debt ( 15 U.S.C. 1692e ( 8 ) ) Collection agencies are prohibited from misrepresenting account details.

Reporting a fraudulent account that does not belong to me is a clear violation of my consumer rights.

FCRA Violation Re-aging of Accounts ( 15 U.S.C. 1681c ( a ) ) Re-aging an account by updating the date of delinquency to a more recent date to extend its reporting period is illegal. 

I demand an investigation to ensure that XXXX XXXX XXXX has not engaged in this practice to unfairly extend the negative impact of this account. 

Requested Action : Immediately delete this fraudulent collection account from my credit report. 

Ensure that XXXX XXXX XXXX is notified of this deletion. 

Provide written confirmation that this account has been permanently removed. 

Ensure no illegal re-aging of this account has occurred and correct any such errors. 

This is a formal dispute and request for deletion. Failure to correct this issue within the legally mandated 4-day timeframe will result in a formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and potential legal action. 

Please respond in writing to the address listed above. If you require any further information, do not hesitate to contact me. 

Sincerely, XXXX XXXX