Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Closed and Inactive Accounts from Credit Report Dear Equifax I am writing to formally request the removal of closed and inactive accounts from my credit report. These accounts, detailed below, continue to report despite being closed and holding no active balances or activity. This reporting constitutes inaccurate and outdated information that negatively affects my credit profile. 

Closed Accounts Still 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX  Violations of Credit Reporting Laws : The continued reporting of these accounts violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Reporting closed accounts with no balance or activity fails to meet this standard. 
15 U.S.C. 1681c ( a ) ( 4 ) : Closed accounts with no adverse information should not remain on a report indefinitely. Outdated and irrelevant information must be excluded from reports after an appropriate period. 
15 U.S. Code 1692f Unfair practices : Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect debts. This includes but is not limited to the reporting of inaccurate or incomplete information to credit bureaus, especially if the debt is disputed or not valid. If any of the collection accounts reported on my credit history were reported through unfair or misleading practices, I am requesting their immediate removal. 
Additionally, the reporting of closed accounts violates the Maryland Consumer Protection Act ( 13-301 et seq. ), which prohibits the dissemination of false and misleading information. 

Requested Actions : Immediate removal of all listed closed and inactive accounts from my credit reports. 
A written confirmation from your bureau once the corrections have been made.