Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CT XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX : Request for Investigation of Inaccuracies and Potential Fraud on My Equifax Credit Report XXXX Report Confirmation # XXXX ) Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally request your assistance in resolving inaccuracies and potential unauthorized activities present on my Equifax credit report, report confirmation number XXXX, dated XX/XX/XXXX. I have identified several negative items that require immediate investigation and correction, as they XXXX be the result of fraudulent activity stemming from data breaches I have been affected by. 

Recently, I became aware that I am a victim of a data breach in which my personal informationincluding my Social Security number ( partially masked as XXXX ), phone number, email, and XXXX XXXX. I was also impacted by the widely publicized XXXX and Equifax data breaches. Due to these incidents, I am deeply concerned that fraudulent accounts or transactions XXXX have been reported on my credit file without my knowledge or consent. Consequently, I request that all information on my Equifax report be thoroughly verified to confirm it belongs to me, supported by actual evidence such as signed agreements, applications, or other verifiable documentation. 

Below are specific negative items from my Equifax report that I believe warrant investigation : Negative Items and Potential Inaccuracies XXXX  XXXX BANK ( Account # XXXX ) Delinquencies : XX/XX/XXXX : XXXX  days late ( Past Due : {$160.00} ). 
XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$170.00} ). 
XX/XX/XXXX : XXXX  days late. 
XX/XX/XXXX : XXXX  days late. 
XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$170.00} ). 

High Utilization : XXXX of {$1000.00} vs. {$1000.00} limit ( XXXX XXXX  as of XX/XX/XXXX ). 

I question whether these late payments are accurate or authorized, given the data breaches. Please provide a signed credit agreement and payment records to verify this accounts activity. 


XXXX XXXX XXXX ( Closed, Account # XXXX ) ** Delinquencies : XX/XX/XXXX : XXXX  days late. 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$100.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$170.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$250.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$330.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$420.00} ). 


Charged Off : XX/XX/XXXX- XX/XX/XXXX ( Balance : {$1400.00} ; XXXX XXXX : {$1400.00} ). 

Comments : " Charged off account, '' " Account closed by credit grantor, '' " {$930.00} written off. '' This accounts severe delinquency and charge-off raise serious doubts about its legitimacy. I do not recall authorizing charges leading to this status. Please provide a signed agreement and transaction history to confirm its validity. 


XXXX BANK ( Account # XXXX ) Delinquencies : XX/XX/XXXX : 30 days late ( XXXX XXXX : {$85.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$82.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$120.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$200.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$120.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$160.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$250.00} ). 

XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$280.00} ). 


High Utilization : XXXX of {$1100.00} vs. {$1100.00} limit ( XXXX XXXX  as of XX/XX/XXXX ). 

These repeated late payments XXXX be erroneous or fraudulent. I request verification with a signed agreement and payment records. 


XXXX XXXX ( Account # XXXX ) ** XX/XX/XXXX : XXXX  days late ( XXXX XXXX : {$800.00} ). 

This single delinquency may be unauthorized. Please provide a signed loan agreement or payment records to substantiate it. 


Legal Basis for My Request I am aware of my rights under the following statutes, which Equifax and the furnishers must uphold : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : Requires credit reporting agencies and furnishers to ensure accuracy, with penalties up to {$4000.00} per violation for non-compliance. I request Equifax investigate these items within XXXX  days ( 1681i ) and remove unverifiable data.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Prohibits false reporting by debt collectors, with potential damages up to {$1000.00} plus punitive awards. If any debts involve collections, I demand validation ( 1692g ).

As a data breach victim, I invoke my FCRA rights to : Request a fraud alert or security freeze ( 1681c-1 ).

Obtain free file disclosures to monitor fraud ( 1681g ).

Block fraudulent information with an identity theft report ( 1681c-2 ).

Requested Actions I respectfully request that the CFPB : Compel Equifax to investigate and substantiate all items with verifiable evidence ( e.g., signed agreements, payment records ). 
Order removal of unverified, inaccurate, or fraudulent items, including the late payments and charge-off listed above Ensure furnishers ( XXXX  XXXX BANK, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX FINANCIAL ) provide proof of liability or correct their reporting. 

Thank you for your attention to this urgent matter. I can be reached at XXXX or XXXX for any clarification or correspondence. I look forward to your prompt assistance in protecting my credit profile and resolving these issues. 

Sincerely, XXXX XXXX