Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX ( XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Legal Demand for Removal of Inaccurate Credit Report Entries Dear Equifax Dispute Department, This letter serves as a formal dispute and legal demand for the removal of inaccurate and improperly reported negative items on my credit report. Despite my prior disputes and the obligations, you hold under federal law, Equifax has failed to meet its duty to investigate, verify, and accurately report consumer credit information. 

Equifax is currently facing national legal action for its failure to conduct proper investigations into consumer disputes, resulting in undue financial harm. Your companys lack of diligence in properly verifying debts and correcting errors has caused substantial damage to my financial stability by preventing me from : Securing rental housing Obtaining student loans Accessing other critical financial opportunities necessary for American citizens This is a direct violation of my consumer rights and an unacceptable failure in your duty to protect accurate credit reporting. 

Violations of Federal Law Equifaxs mishandling of my credit file constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). Specifically : Failure to Properly Investigate Disputed Accounts ( 15 U.S.C. 1681i ) Equifax has failed to conduct a reasonable investigation into the disputed accounts.

The investigation process did not provide me with legally required verification or original signed contracts. 

Failure to Ensure Accuracy Before Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Equifax continues to report inaccurate information, despite the absence of proper validation.

The entities furnishing the information have not provided legal proof of ownership or my contractual obligation to the debts in question.

Improper Reporting of Unauthorized Hard Inquiries ( 15 U.S.C. 1681b ) Equifax is reporting unauthorized credit inquiries that I did not consent to. 

No permissible purpose was provided, making these inquiries illegal under the FCRA. 

Failure to Provide Timely and Proper Notice of Account Sales and Transfers ( 15 U.S.C. 1692g ) Equifax reported account transfers without notifying me at my correct mailing address.

Debt ownership changes were never legally validated before being placed on my credit report.

Formal Demand for Immediate Action I hereby demand the following corrective actions within 15 days of receipt of this letter : Immediate removal of all disputed negative accounts from my credit report due to lack of proper verification. 

Deletion of all unauthorized hard inquiries that lack a permissible purpose under the FCRA. 

Proof of method of verification ( MOV ) for each disputed account, including all supporting documentation used to validate the debt. 

A written explanation of your investigation process detailing why Equifax considers these accounts valid, despite the lack of legally sufficient documentation. 

Legal Consequences of Non-Compliance Failure to comply with these demands will result in : A formal complaint was filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Potential legal action for statutory and punitive damages under 15 U.S.C. 1681n & 1681o for willful and negligent noncompliance with the FCRA.

Equifax has a legal and ethical obligation to conduct fair and thorough investigations. Your continued failure to do so is harming consumers nationwide. I expect immediate action to rectify these violations and a formal response confirming the corrective measures taken. 


Sincerely, XXXX XXXX