Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Attention all secondary credit bureaus : Subject : IMMEDIATE DEMAND FOR REMOVAL OF OBSOLETE AND INACCURATE PERSONAL INFORMATION FINAL NOTICE To Whom It May Concern, This is a FINAL DEMAND for the immediate removal of all outdated, inaccurate, and obsolete personal information from my credit report maintained by XXXX. This includes but is not limited to previous addresses, incorrect phone numbers, outdated employment records, and any other erroneous or unnecessary personal details that no longer pertain to me. 

You are legally obligated to remove this information under multiple federal statutes. Failure to comply will result in swift legal action. 

LEGAL BASIS FOR THIS DEMAND Your continued reporting of inaccurate or outdated information is in direct violation of federal law, exposing you to substantial legal liability. I am citing the following statutes and case law to ensure you understand the full extent of your obligations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681c ( a ) : Prohibits the inclusion of obsolete information in consumer reports.

1681i ( a ) : Requires reinvestigation and correction or deletion of disputed information within 30 days.

1681e ( b ) : Mandates that consumer reporting agencies use maximum possible accuracy in reporting data. 

1681n & 1681o : XXXX is subject to statutory damages, punitive damages, and attorneys fees for willful and negligent noncompliance. 



2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. 

Using or reporting outdated, incorrect personal information constitutes false, deceptive, or misleading practices under federal law. 



3. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 et seq. 

Mandates that financial institutions, including XXXX, safeguard consumers nonpublic personal information from unauthorized access, misuse, or unnecessary retention. Your failure to delete outdated data increases my risk of fraud and identity theft, which is a clear violation of federal privacy regulations. 




RELEVANT CASE LAW XXXX LLC v. Ramirez, 594 U.S. ___ ( 2021 ) : The U.S. Supreme Court ruled that inaccurate reporting causes concrete harm, making XXXX liable for any resulting damages. 

Soutter v. XXXX XXXX XXXX XXXX XXXX, 498 Fed. Appx. 260 ( 4th Cir. 2012 ) : The court ruled that failure to reasonably investigate disputes regarding inaccurate data violates the FCRA, subjecting the agency to penalties. 

Cowans v. XXXX XXXX XXXX, XXXX, No. 20-3368 ( 7th Cir. 2021 ) : Consumer reporting agencies must conduct reasonable and thorough investigations, and failure to correct errors promptly is actionable. 


DEMAND FOR ACTION XXXX is now formally ON NOTICE. I demand : IMMEDIATE REMOVAL of all outdated, obsolete, and incorrect personal information from my credit file. 

WRITTEN CONFIRMATION within 30 days that these deletions have been completed. 

A DETAILED EXPLANATION citing specific legal grounds if XXXX refuses to comply. No generic responses will be accepted. 


LEGAL CONSEQUENCES OF NON-COMPLIANCE Should ARS fail to comply with this demand in full, I will take immediate legal action without further notice. This includes : XXXX. Filing formal complaints with the following federal and state agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office XX/XX/XXXX ) Relevant state consumer protection agencies 2. Initiating civil litigation against XXXX for willful and negligent violations of the FCRA and other applicable laws. Under FCRA 1681n, I am entitled to recover : Actual and punitive damages Statutory damages of up to {$1000.00} per violation Attorneys fees and court costs THIS IS YOUR FINAL OPPORTUNITY TO COMPLY I have enclosed copies of my government-issued ID and proof of my current address for identity verification. You are prohibited from using verification as a delay tactic. 

I expect full compliance within 30 days from the date of this letter. No further warnings will be issued. 

Sincerely, [ Your Name ] [ Your Signature ] ( if mailing a physical copy )