Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Notice Regarding Data Breaches, Inaccurate Reporting, and Violations of Consumer Rights Dear Equifax and XXXX, XXXX XXXX update my name to XXXX XXXX XXXX, address, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, You have an incorrect name on my consumer report that is not me and does not match my ID, I am not XXXX XXXX, I do not know who that is, again my data was breached by XXXX, Equifax, XXXX XXXX. 

I am writing to formally dispute inaccurate information on my consumer reports and address your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) and the 1974 Privacy Act. Additionally, I have been impacted by your respective data breaches due to your negligence in safeguarding my personal information, which has directly resulted in the verification of inaccurate accounts on my reports. 

Background and Issues Data Breaches : My personal information was compromised in your data breaches, as both of your companies failed to protect my sensitive data. Your negligence has created a situation where inaccurate information may have been added to my consumer report. 
Verification Failures : Despite repeated requests, you have failed to provide sufficient proof or evidence to confirm that the accounts listed below belong to me. I have requested wet-ink signatures, original applications, and any documents with my handwritten signatures. To date, you have not produced this information or conducted proper reinvestigations. 
Violations of the 1974 Privacy Act and FCRA : You are required to ensure the maximum possible accuracy of information on consumer reports. Your failure to validate these accounts and continued reporting of inaccurate information constitute violations of these laws. 
Accounts in Question The following accounts must be removed from my reports immediately due to lack of proper verification and the harm caused by their continued reporting : 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 XXXX XXXX XXXX XXXX XXXX XXXX  Impact on My Life The reporting of these accounts has negatively affected my livelihood, including credit denials for critical financial needs such as housing and loans. This negligence has caused significant harm to my reputation and financial stability. 

Demands Immediate Removal : Remove the above-listed accounts from my consumer reports. 
Proof of Verification : If you believe these accounts are valid, provide the following : Dates and details of your reinvestigation. 
Names and contact information of first-hand witnesses or entities you spoke to for verification. 

Original applications and any documents containing my handwritten signature. 
Acknowledgment of Violations : Acknowledge your failure to ensure maximum accuracy and your responsibility under the FCRA and Privacy Act to correct these errors. 
Failure to address these concerns within 30 days will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal remedies. 

Thank you for your immediate attention to this matter. I expect confirmation of your action plan and resolution promptly.