Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute of Inaccurate Credit Information Fraudulent Inquiries and Data Breach Dear Equifax Consumer Relations Team, I am writing to formally dispute the accuracy of my credit report due to fraudulent activity stemming from the recent data breaches in XX/XX/XXXX and XX/XX/XXXX. My personal information, including my name and address, was leaked and is being misreported on my credit file. Additionally, several fraudulent inquiries have been made, likely as a result of identity theft connected to a car dealership fraud. A police report has been filed, and I have submitted a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter under report number XXXX. 

Furthermore, I have been made aware of the CFPB 's lawsuit against XXXX, filed on XX/XX/XXXX, which highlights the mishandling of consumer disputes and the verification of inaccurate information. These practices are indicative of broader systemic issues in the credit reporting industry that continue to impact my ability to maintain an accurate credit report. I expect Equifax to take immediate action to address the following issues on my credit report : Incorrect Addresses and Personal Information : The following addresses listed on my credit report are incorrect and should be removed immediately as they are part of the data breach that occurred : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Inquiries : Several inquiries on my credit report are a direct result of fraudulent activity committed by a dealership. These fraudulent inquiries occurred on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a police report regarding this fraudulent activity and submitted a CFPB complaint under the report number XXXX. 

XXXX XXXX  Charge-Off : As mentioned in my previous letter to XXXX, I dispute the charge-off related to XXXX XXXX, which occurred in XXXX. No XXXX was issued to me by XXXX XXXX, yet one was filed with the IRS. Under IRS guidelines, the debt should be considered paid through taxable income, and thus the charge-off should be voided and removed from my credit report. 

I am requesting the following actions : Immediate removal of all fraudulent inquiries listed above. 
Correction of my personal information to reflect my correct addresses, and removal of any inaccurate data linked to the breach. 
A detailed explanation of how these inquiries were made and any supporting documentation related to the verification process for these entries. 
Removal of the XXXX XXXX charge-off in line with IRS guidelines for paid debts. 
As per the guidelines set by the FCRA and CFPB 's recent findings, I expect Equifax to resolve these issues within five ( 5 ) business days of receiving this letter. Failure to do so will result in my filing a formal complaint with the Consumer Financial Protection Bureau and considering further legal action. 

Please respond in writing within the specified timeframe to confirm the removal of the fraudulent inquiries and correction of my personal information. 

Sincerely, XXXX XXXX