Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC This letter serves as a formal dispute and legal notice regarding an inaccurate, unverified, and unenforceable debt being reported on my credit file under XXXX  XXXX and XXXX XXXX XXXX ( XXXX ). I am demanding its immediate removal in compliance with federal law. 

XXXX. THIS DEBT IS NOT MINE AND IS TIME BARRED. 
First and foremost, I do not acknowledge this debt as mine. 
Even if it were, the statute of limitations for credit card debt in Pennsylvania is XXXX years from the date of default. 
The alleged default date was XX/XX/XXXX, meaning any legal collection or lawsuit expired in XX/XX/XXXX. 
Any continued reporting or collection attempts are not only inaccurate but also unlawful. 
XXXX. XXXX XXXX XXXX Has a Long History of Illegal Practices It is well-documented that XXXX XXXX XXXXXXXX XXXX in fraudulent, deceptive, and illegal debt collection practices. Here are just a few examples : XXXX : The Consumer Financial Protection Bureau ( CFPB ) ordered XXXX XXXX XXXX to pay an {$8.00} XXXX penalty and {$19.00} XXXX in consumer refunds for threatening consumers and attempting to collect on unverified debts. 
XXXX : The CFPB fined XXXX XXXX XXXX {$24.00} XXXX for continued illegal collection practices and consumer reporting violations, including : Filing lawsuits without proper documentation, Collecting on debts without verification, and Misrepresenting debts in credit reporting. 
Given this history, XXXX XXXX XXXX reporting of this alleged debt on my credit report is highly suspect and Equifax has a legal obligation to investigate and remove it immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXXevious Violations As a credit reporting agency, Equifax is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of information in consumer credit reports. This includes conducting reasonable investigations into disputed information. 

Federal law requires that if a company can not verify disputed information, it must instruct credit reporting agencies to delete the information from the consumers report. Equifax is failing in this duty by continuing to report unverified and likely fraudulent debt. 

Equifax has already been fined for similar failures in the past : XX/XX/XXXX : The CFPB fined Equifax {$15.00} XXXX for ignoring consumer credit report disputes, mishandling investigations, and failing to remove inaccurate informationeven when consumers provided supporting documentation. 
Given Equifaxs history of failing to properly investigate disputes, I am putting you on legal notice that failure to remove this inaccurate and unverified debt will result in formal complaints being filed with the CFPB, the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. 

4. Formal Demand for Immediate Action I am demanding the following actions within 30 days of receipt of this letter : Immediately delete this unverified, time-barred, and disputed debt from my credit report. 
Cease and desist all collection and reporting attempts related to this account. 
Provide written confirmation that this account has been permanently removed from my credit file. 
Failure to comply will result in further legal action and additional complaints filed against Equifax for FCRA violations and failure to investigate disputed consumer reports properly.