Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Dispute of Credit Report Items and Unauthorized Request of My Identity I am writing to formally dispute inaccuracies and unauthorized actions on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related federal laws. Specifically, I challenge the validity of [ specify the disputed item ( s ), e.g., " an unauthorized hard inquiry on [ date ] '' or " an account reported by [ furnisher ] '' ] as these actions constitute a violation of my rights under federal law. 

Legal Grounds for My Dispute 15 U.S.C. 1681 Section 602 ( a ) : Congressional Findings Congress declared in this section that consumer information should only be used in ways that are fair, impartial, and respectful of the consumer 's privacy. The actions reflected in my report violate this principle, as no permissible purpose exists for the inclusion of this information. 

15 U.S.C. 1681b Section 604 ( a ) ( 2 ) : Permissible Purposes of Consumer Reports This statute explicitly states that consumer reports can only be accessed with a permissible purpose, such as my written authorization. I have never provided such authorization for [ identify the item in question ]. Thus, the request for my consumer report is unauthorized and illegal.

15 U.S.C. 6802 ( b ) ( c ) : Disclosure of Nonpublic Personal Information This law requires clear consent before nonpublic personal information is shared or accessed. No such consent was granted for the inquiry or reporting in question.

15 U.S.C. 1681 ( a ) ( 5 ) : Accuracy of Reported Information This provision requires that credit reporting agencies ensure maximum possible accuracy. The inclusion of the disputed item ( XXXX ) on my report is inaccurate and misleading, as no lawful basis exists for its presence. 

15 U.S.C. 1681i ( 2 ) ( a ) : Duty to Investigate Disputed Information You are obligated under the FCRA to conduct a timely investigation of disputed items. I request that you initiate this process immediately and provide the results of your investigation within the legally mandated timeframe of 30 days.

12 C.F.R. 1016.7 : Protection of Nonpublic Information This regulation underscores your duty to safeguard consumer information and prevent unauthorized access. By allowing [ name the entity or action, e.g., " an unauthorized hard inquiry '' ], Equifax has failed to uphold this obligation. 

Requested Actions Delete the disputed item ( XXXX ) from my credit report immediately, as no permissible purpose exists for their presence. 
Provide me with documentation validating any authorization or permissible purpose for the inclusion of the disputed item ( XXXX ). 
Send me a corrected copy of my credit report reflecting these changes. 
Notice of Fraudulent Identity Request Requesting or accessing my personal identity or credit report without a legitimate, permissible purpose constitutes fraud. If this matter is not resolved satisfactorily, I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly initiating legal action. 

I expect written confirmation of receipt of this dispute within five ( 5 ) business days of your receipt of this letter, as well as a resolution within the 30-day period required under the FCRA.

Thank you for your prompt attention to this matter.