Product: Credit reporting or other personal consumer reports

# LEGAL DEMAND FOR FILE DISCLOSURE & REMOVAL OF INACCURATE INFORMATION # # SENT VIA CERTIFIED MAIL # : ________________ - RETURN RECEIPT REQUESTED 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  : DEMAND FOR FULL FILE DISCLOSURE AND REMOVAL OF INACCURATE INFORMATION** **Consumer : XXXX XXXX XXXX XXXX Number : XXXX **Date of Birth : XXXX **Dispute Date : XXXX XXXX XXXX FORMAL REQUEST UNDER FCRA SECTION 609 & DISPUTE UNDER SECTION 611 To Whom It May Concern : This letter constitutes both a formal request for my complete consumer disclosure file under Section 609 of the Fair Credit Reporting Act ( FCRA ) and a comprehensive dispute of inaccurate, incomplete, and unverifiable information maintained in my consumer file under Section 611. I am also asserting my rights under the Gramm-Leach-Bliley Act ( GLBA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ) regarding the information maintained in my file. 

# # REQUEST FOR FULL FILE DISCLOSURE Pursuant to Section 609 of the FCRA ( 15 U.S.C. 1681g ), I hereby demand that XXXX provide me with : XXXX. A complete copy of ALL information maintained in my consumer file, including : - ALL reported addresses, telephone numbers, email addresses, and identification numbers- ALL inquiries made to my file with dates and purposes of each inquiry - ALL sources of information and complete contact information for each source- The specific permissible purpose claimed for EACH entity that accessed my information- ALL algorithms, risk scores, or other analytics derived from my consumer information - ALL subscriber codes or creditor designations associated with each entry XXXX. A complete list of ALL entities to whom XXXX has furnished my consumer information within the past 3 years, including : - The name of each person or entity - The date on which the information was furnished - The specific permissible purpose claimed by each recipient XXXX. The source of ALL disputed information currently appearing in my file XXXX. ALL procedures used by FactorTrust to verify the accuracy and completeness of information in my consumer file # # DISPUTE OF INACCURATE INFORMATION I hereby dispute ALL information reported by the following companies as inaccurate, incomplete, outdated, and/or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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  The following specific items are disputed as inaccurate and must be immediately removed : - ALL TELEPHONE NUMBERS, specifically : * XXXX XXXX ( *** ) XXXX reported by XXXX XXXX XXXX * Home telephone ( *** ) XXXX reported by XXXX XXXX * Home telephone ( XXXX XXXX XXXX reported by XXXX XXXX * XXXX telephone ( *** ) XXXX XXXX by XXXX XXXX - ALL addresses reported- ALL email addresses reported , including XXXX- ALL driver 's license information reported - My reported history with these entities- The reported timeframes of relationships with these entities # # LEGAL BASIS FOR DISPUTE AND REMOVAL My dispute is based on the following legal grounds : # # # FCRA Violations ( 15 U.S.C. 1681 et seq. ) 1. **Permissible Purpose Violations ( Section 604 ) ** - My consumer file shows multiple entities accessing my information without evidence of permissible purpose - The same driver 's license number reported across multiple unrelated entities suggests improper access - Empty " Dispute Date '' columns despite a documented dispute on XX/XX/XXXX indicates failure to properly document dispute history XXXX. **Accuracy Requirements ( Section 607 ) ** - Multiple duplicate reports of the same information creating a false impression of additional accounts/relationships - Failure to maintain reasonable procedures to ensure maximum possible accuracy of information contained in my consumer file XXXX. **Improper Reinvestigation ( Section 611 ) ** - Failure to properly investigate my previous dispute dated XX/XX/XXXX as evidenced by lack of dispute documentation in report - Failure to notify me of reinvestigation results within required XXXX timeframe XXXX XXXX XXXX XXXX  Privacy Violations ( 15 U.S.C. 6801 et seq. ) XXXX. Information sharing among multiple financial institutions without required privacy notices XXXX. Excessive collection of personal data beyond what is reasonably necessary for legitimate business purposes XXXX. Lack of consumer opportunity to opt-out of information sharing as required by law XXXX XXXX XXXX ECOA Violations ( 15 U.S.C. 1691 et seq. ) 1. Targeted reporting focused on alternative financial services that may have disparate impact 2. Missing adverse action documentation for denied credit applications