Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and XXXX XXXX XXXX XXXX XXXX Co Dear Equifax XXXX Department, I am formally disputing the reporting of the following account on my credit report : XXXX XXXX CO Upon reviewing my credit file, I have identified multiple violations of federal consumer protection laws, specifically : Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Unauthorized disclosure of my nonpublic personal information. 
Fair Credit Reporting Act ( XXXX XXXX. XXXX ) Lack of permissible purpose for the reporting of this account. 
Aggravated Identity Theft ( XXXX XXXX. XXXX ) Unauthorized or potentially fraudulent reporting of this account. 

These violations have resulted in the unauthorized dissemination of my personal financial information, negatively impacting my creditworthiness and consumer rights. 

XXXX. Violation of XXXX XXXX. XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, financial institutions and consumer reporting agencies are prohibited from disclosing nonpublic personal information without my explicit consent. 
Resolution Demand : Provide documented proof that I explicitly authorized Equifax to collect, store, and report this account on my credit file. 
If such proof can not be provided, this account must be permanently deleted from my credit report for failure to comply with federal privacy laws. 

XXXX. Violation of XXXX XXXX. XXXX Lack of Permissible Purpose The Fair Credit Reporting Act ( XXXX XXXX. XXXX ) requires that a consumer reporting agency only furnish a credit report under specific, permissible purposes, such as a valid credit transaction initiated by the consumer. 
Resolution Demand : Provide verifiable documentation proving that I authorized Equifax to report this account. 

Under FCRA XXXX ( a ) ( XXXX ), I request : The name and contact details of the entity that verified this account. 
A copy of the original documentation used for verification. 
The method of verification used. 
If Equifax can not provide this documentation, this account must be deleted immediately for failure to establish a permissible purpose. 

XXXX. Violation of XXXX XXXX. XXXX Aggravated Identity Theft The unauthorized reporting of inaccurate or fraudulent information on a consumers credit report XXXX constitute identity theft under XXXX XXXX. XXXX. 
Resolution Demand : If Equifax can not verify 100 % accuracy of this account, including my signed contractual agreement, this account must be deleted immediately from my credit report. 
Equifax must conduct an internal review to prevent future unauthorized reporting of potentially fraudulent accounts. 

XXXX. Formal Demand for Deletion and Legal Compliance Under FCRA XXXX ( a ) ( XXXX ) ( A ), I demand that Equifax conduct a formal reinvestigation of this account within 30 days. If this matter is not resolved, I will escalate the issue by filing complaints with : Consumer Financial Protection Bureau ( XXXX  ) Federal Trade Commission ( XXXX  ) State Attorney Generals Office Additionally, I reserve the right to pursue legal action under FCRA XXXX & XXXX, which entitles me to statutory damages of up to {$1000.00} per violation, plus punitive damages. 

XXXX. Compliance Deadline and XXXX Notice I expect a written response within 30 days confirming the removal of this account from my credit file. If Equifax continues to report this unauthorized, inaccurate, and unverified information, I will take all necessary legal and regulatory actions to protect my consumer rights. 

Sincerely, XXXX XXXX