Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To TRANSUNION, EQUIFAX AND EXPERIAN Subject : FORMAL DISPUTE & REQUEST FOR DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES VIOLATION OF 15 U.S.C. 1681s-2, 1692c ( c ), & 605B I am writing to formally dispute the fraudulent accounts and unauthorized hard inquiries appearing on my credit report. I am a victim of identity theft, as evidenced in the Federal Trade Commission ( FTC ) Identity Theft Reports attached. The fraudulent activity resulted from the Equifax, TransUnion, Experian, and XXXX data breaches, which exposed my personal information to unauthorized individuals. 

I. REQUEST FOR DELETION UNDER 15 U.S.C. 605B ( FCRA ) Under 15 U.S.C. 605B, I am exercising my right to block and delete all fraudulent accounts and inquiries from my credit file immediately. This law mandates that credit bureaus remove fraudulent data within four ( 4 ) business days upon receiving proof of identity theft. My FTC Identity Theft Reports ( FTC Report Numbers : XXXX and XXXX ) confirm that these accounts and inquiries are fraudulent. 

Accordingly, I demand the immediate removal of the following : Fraudulent Hard Inquiries : 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 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 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 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 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 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 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 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 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 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  As required by federal law, you must block and delete these fraudulent items within four ( 4 ) business days of receiving this letter and my FTC reports. Failure to comply violates the Fair Credit Reporting Act ( FCRA ) and exposes your organization to legal liability.

II. REQUEST FOR DEBT VALIDATION UNDER 15 U.S.C. 1681s-2 Pursuant to 15 U.S.C. 1681s-2, furnishers must ensure accurate reporting. If you claim these accounts are valid, you are required to provide documented proof within 15 days, including : 1. A signed contract or agreement proving I authorized these debts 2. Itemized statements of the debt, including fees, interest, and payments 3. Proof that your company has the legal right to collect this debt Failure to provide validation requires immediate deletion of the accounts and inquiries, as continued inaccurate reporting is a federal violation under 15 U.S.C. 1681e ( b ).

III. CEASE AND DESIST UNDER 15 U.S.C. 1692c ( c ) Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I formally demand all communications regarding these disputed accounts cease immediately. Any further contact regarding these fraudulent debts constitutes harassment and violates federal law.

Additionally, I demand that : All fraudulent accounts and inquiries be deleted permanently No debts be sold or transferred to any third-party collection agency Written confirmation be provided within 15 days of receipt of this letter confirming the resolution IV. WARNING OF LEGAL ACTION If you fail to comply with federal consumer protection laws, I will : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 2. Pursue legal action against your organization for damages under 15 U.S.C. 1681n and 1681o for negligent and willful noncompliance You must respond within the legal timeframes or face penalties. I expect full compliance and resolution of this matter immediately.

V. FINAL DEMAND This dispute is being sent via certified mail with return receipt as official notice. Failure to act accordingly will lead to formal legal complaints and litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Without Prejudice Attachments : FTC Identity Theft Report ( Report # XXXX & # XXXX ) Copy of Credit Reports Showing Unauthorized Inquiries & Accounts Copy of ID for Identity Verification Final Steps : 1. Send this letter via certified mail with a return receipt 2. Attach all necessary supporting documents 3. Monitor your credit report for compliance 4. File complaints with the CFPB & FTC if no action is taken