Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : URGENT Dispute Demand for Immediate Removal of Inaccurate and Fraudulent Information Under FCRA Dear Equifax Dispute Department, I am submitting this formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate, unverifiable, and fraudulent information on my credit report. This is not my first dispute. Since XX/XX/2024, I have repeatedly requested corrections, yet you have failed to conduct a lawful reinvestigation. Given that I have filed an FTC Identity Theft Report and a Police Report, you are now in clear violation of federal law. These accounts are not mine, and their continued reporting is a direct violation of my rights under the FCRA. 
Immediate Action Required Urgent Resolution Needed Under 15 U.S.C. 1681i ( a ), Equifax must conduct a reasonable reinvestigation within 7 days and delete all disputed information that can not be fully verified. This issue has been ongoing for several months, and I demand immediate resolution without further delay. Your failure to act in a timely manner has already caused undue hardship, and any further delay will result in immediate escalation to federal authorities., Equifax must conduct a reasonable reinvestigation within 7 days and delete all disputed information that can not be fully verified. You are also prohibited from re-aging accounts, a violation of 15 U.S.C. 1681c ( c ). If this information is not removed, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages. 
Furthermore, your failure to resolve these issues has caused severe financial and personal hardship. Due to these inaccuracies, my job and financial stability are at serious risk. My employer requires certain security clearances, which have been negatively impacted by the wrongful reporting on my credit file. This situation has jeopardized my employment, placing me on the verge of homelessness as I will be unable to maintain my livelihood if I lose my job. Equifax 's ongoing negligence is a direct violation of my rights under the FCRA, and I will seek immediate legal remedies if this matter is not resolved promptly. 
Additionally, it is important to note that charged-off accounts are tax write-offs for the original creditor, meaning they have already received compensation for the supposed loss. Any continued reporting of these accounts as unpaid debts is misleading and constitutes an FCRA violation under 15 U.S.C. 1681s-2 ( a ) for misrepresenting account status. Credit bureaus must ensure that such accounts are not double-reported or misclassified to unfairly harm consumers. Furthermore, under 15 U.S.C. 1666b, Equifax is required to promptly correct billing errors, and under 15 U.S.C. 1681g, I am entitled to full disclosure of the methods used to verify these accounts. 

Additional Legal Protections for Identity Theft Victims Since I have provided an FTC Identity Theft Report and a Police Report, you are required to take additional actions under the FCRA : 15 U.S.C. 1681c-2 Requires credit bureaus to block fraudulent information within four business days after receiving an identity theft report.

15 U.S.C. 1681m ( g ) Prohibits furnishing of information that a consumer has identified as identity theft-related without proper verification.
15 U.S.C. 1681s-2 ( a ) ( 6 ) Mandates that furnishers stop reporting fraudulent accounts after receiving proper notice from the consumer.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion of any unverifiable information after reinvestigation. 
15 U.S.C. 1681n & 1681o Allows for statutory and punitive damages against credit bureaus for willful and negligent noncompliance.

These provisions give me the legal right to demand the immediate removal of all fraudulent accounts and ensure that they are permanently blocked from my credit file. 

Disputed Accounts and Legal Violations XXXX ( Account Number : XXXX ) Issue : Charge-off reported despite inconsistent balances and incorrect credit limit reporting ; delinquency history appears inaccurate. 
Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute.

15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after a dispute.

15 U.S.C. 1681c ( c ) Reporting outdated derogatory information.

15 U.S.C. 1681g Failure to disclose verification details. 
XXXX XXXX XXXX / XXXX ( Account Number : XXXX ) Issue : Charge-off reported despite account being transferred with a {$0.00} balance ; late payment reporting inconsistent. 
Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute.

15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after a dispute.

15 U.S.C. 1681c ( c ) Reporting outdated derogatory information.

15 U.S.C. 1681g Failure to disclose verification details. 
XXXX XXXX XXXX ( Account Number : XXXX ) Issue : Placed for collection despite lack of verification and unlawful re-aging. 
Violations : 15 U.S.C. 1681s-2 ( a ) Reporting misleading information.

15 U.S.C. 1681c ( c ) Re-aging of delinquent account. 
XXXX XXXX XXXX ( Account Number : XXXX ) Issue : Collection account remains despite dispute and failure to verify debt ownership. 
Violations : 15 U.S.C. 1681e ( b ) Failure to ensure accuracy of reporting.

15 U.S.C. 1681i ( a ) Failure to properly reinvestigate. 
XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Issue : Account marked as collection with conflicting reporting dates. 
Violations : 15 U.S.C. 1681s-2 ( b ) Failure to update after dispute.

15 U.S.C. 1681g Failure to disclose reinvestigation methods. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) Issue : Charge-off reported despite 100 % on-time payment history and a {$0.00} balance ; account was properly transferred and should not be classified as charged off. 
Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute.

15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after a dispute.

15 U.S.C. 1681c ( c ) Reporting outdated derogatory information.

15 U.S.C. 1681g Failure to disclose verification details. 




Legal Consequences for Noncompliance If Equifax fails to resolve these disputes within 7 days, I will file formal complaints with the CFPB, FTC, and my State Attorney General. I will also seek statutory damages under 15 U.S.C. 1681n, up to {$1000.00} per violation, as well as pursue legal action for financial harm, denied credit, and emotional distress.This has been going for 6 months now and you guys are not abiding by the law. 
I expect a response within 7 days confirming the complete and permanent removal of these inaccuracies. If this matter is not resolved immediately, I will seek emergency legal relief for the financial and personal damages caused by Equifax 's inaction. 
Sincerely, XXXX XXXX