Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized and fraudulent information that has appeared on my credit report. As a victim of identity theft, including the XXXX breach and the Equifax data breach, my personal information has been compromised including, resulting in fraudulent accounts and inquiries. Notably, my name, XXXX XXXX, along with my Social Security number, were exposed including 12 breaches with the lates being the XXXX XXXX XXXX breach in XXXX. Also theres 45 Critical Exposures associated with my SSN and other credit information. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Breach : The XXXX breach exposed the following personal information : Full name Social Security number Date of birth Address history Employment information Financial account numbers This breach has led to the creation of fraudulent accounts and inquiries on my credit report. I have attached supporting documents, including my FTC Identity Theft Report and the notification letter regarding the breach. 



Disputed Items : 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-Reference number XXXX These accounts and/or inquiries were made without my consent or knowledge. Under FCRA 605B, I request that these items be blocked from my credit report.

Requested Actions : 1. Immediate Investigation : Please conduct a thorough review of the disputed items and provide a written response detailing the findings and actions taken.

2. Removal of Fraudulent Information : In accordance with FCRA 611 and 605B, please remove or block the disputed items from my credit report within the legally required time frame. 
3. Fraud Alert : Please extend or renew the fraud alert on my file to notify creditors of this identity theft incident.

I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). 
I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that Equifaxs handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. 
I request that you promptly investigate this matter and provide me with a corrected version of my credit report within the time frame required by law. If the disputed items can not be verified, I expect them to be immediately removed from my report. I also request confirmation that any inaccurate or unverifiable information will not continue to be reported on my file. 
Thank you for your attention to this matter. I look forward to your response. 


Enclosed Documents : Copy of government-issued ID Utility Bill FTC Identity Theft Report Notification letter of the XXXX breach Notification letter of the XXXX XXXX breach Contact Information : Please confirm receipt of this letter and notify me in writing once the investigation is complete. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Last 4 digits of SSN : XXXX