Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Removal of Fraudulent Accounts & Accountability for Data Breach Negligence To Whom It May Concern, This letter serves as a formal dispute and demand for immediate removal of fraudulent and inaccurate accounts appearing on my Equifax credit report. My demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the CFPBs lawsuit against Equifax for its continued pattern of deceptive, reckless, and unlawful credit reporting practices. 

Furthermore, I am a victim of Equifaxs massive data breach, which compromised my personal and financial information, directly resulting in identity theft and fraudulent accounts appearing on my credit report. This blatant negligence has caused me severe financial and emotional distress, and Equifaxs failure to protect consumer data only compounds its liability in this matter. 

XXXX Accounts for XXXX Deletion : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX FCRA XXXX ( b ) 15 U.S.C. 1681c-2 3. Account was never late 15 U.S.C 1666B XXXX Account Number : XXXX Equifaxs Legal Violations & My Rights Under the Law : XXXX. CFPB Lawsuit Against Equifax : The CFPB has taken legal action against Equifax for its repeated failure to conduct proper investigations into consumer disputes and for illegally retaining inaccurate information. This misconduct is well-documented and must not continue in my case. 
XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) Mandatory Removal Within 4 Days : Equifax is legally required to block and delete fraudulent accounts within XXXX ( XXXX ) business days of receiving this dispute. Failure to comply constitutes a direct violation of federal law, exposing Equifax to lawsuits and regulatory penalties. 
XXXX. Equifaxs XXXX XXXX XXXX XXXX XXXX of My Identity Theft : My personal and financial data were exposed due to Equifaxs reckless mishandling of consumer information. Because of this security failure, I have become a victim of identity theft, leading to fraudulent accounts damaging my credit report. 
Equifax must take full responsibility for this damage and act immediately to rectify the harm done. 
XXXX Actions Required : Permanently delete all fraudulent and inaccurate accounts from my credit file. Provide written confirmation that these deletions have been completed. 
Send me an updated copy of my corrected credit report reflecting these changes. 
Failure to Comply Will Result in Escalation : If Equifax refuses to take immediate corrective action, I will be left with no choice but to escalate this matter aggressively by : Filing additional complaints with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Pursuing legal action against Equifax for violations of the FCRA and for damages resulting from its negligent data breach. 
Seeking monetary compensation for the financial and emotional distress caused by Equifaxs reckless mishandling of my sensitive information. 
This is your final opportunity to resolve this matter before I take further legal action. I demand written confirmation of compliance within XXXX ( XXXX ) business days of receiving this letter.