Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Immediate Demand for Deletion of Unauthorized Reporting To Whom It May Concern, This letter serves as a formal dispute and demand for immediate removal of unauthorized and unlawful information being reported by your agency on my consumer report. Your actions violate federal laws and infringe on my rights as a consumer. The continued furnishing and reporting of my private financial information is illegal under multiple sections of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  ( XXXX  ), and other consumer protection laws. 

Violations Committed by Your Agency XXXX. Violation of Consumer Privacy ( 15 U.S. Code 1681 Section XXXX ( a ) ) The FCRA mandates that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. However, Equifax, Experian, and TransUnion have failed to uphold this legal obligation by disclosing my financial data without my consent. 
XXXX. No Written Authorization to Furnish My Consumer Report ( 15 U.S. Code 1681 Section XXXX ( a ) ( XXXX ) ) Under 15 U.S. Code 1681b, a consumer report may only be furnished with the written instructions of the consumer. I have never provided written consent for Equifax, Experian, or TransUnion to report or share my information with third parties. Any and all prior consent is hereby revokedwhether verbal, written, implied, or otherwise. 
XXXX. Violation of XXXX XXXX to XXXX ( 12 CFR 1016.7 ) XXXX XXXX  XXXX consumers the absolute right to opt out of having their nonpublic personal information disclosed. I am formally exercising my right to opt out, and you are required to comply under federal law. 
XXXX. Failure to Notify Me of My Right to Non-Disclosure ( 15 U.S. Code 6802 ( b ) ( c ) ) The XXXX mandates that financial institutions must inform consumers of their right to prevent disclosure of nonpublic personal information. I was never given such an option, rendering the reporting of my information illegal. 
XXXX. Reporting of Obsolete Adverse Information ( 15 U.S. Code 1681c ( a ) ( XXXX ) ) The FCRA strictly prohibits consumer reporting agencies from including adverse information older than XXXX years ( except for criminal convictions ). The negative accounts being reported by your agencies either exceed the statutory reporting period or are being re-reported improperly, violating my rights under federal law. 
XXXX. Knowingly Reporting Inaccurate Information ( 15 U.S. Code 1681s2 ( A ) ( XXXX ) ) Under 15 U.S. Code 1681s-2, no entity may furnish consumer information to a credit reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnisher of information has failed to ensure the accuracy of the data, and your agencies have failed to conduct proper procedures to validate its accuracy before reporting it. 
XXXX. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( 15 U.S. Code 1681e ( b ) ) Consumer reporting agencies must maintain reasonable procedures to avoid violations of 15 U.S. Code 1681c and ensure that consumer reports are only furnished for legally authorized purposes. Equifax, Experian, and TransUnion are failing to comply with this law. 

Demand for Immediate Action Due to your blatant disregard for federal consumer protection laws, I demand the following actions be taken IMMEDIATELY : XXXX. Permanent deletion of any and all disputed information that has been furnished or reported without my written authorization. 
XXXX. A formal written confirmation from Equifax, Experian, and TransUnion verifying the deletion of the disputed items from my consumer report. 
XXXX. A full disclosure of any XXXX  parties that have accessed my consumer report without my explicit consent. 
XXXX. XXXX of any further reporting of my personal information without my express written consent. 

Failure to comply within XXXX  days from receipt of this letter will result in my immediate pursuit of legal action against Equifax, Experian, TransUnion, and any other responsible parties. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my XXXX XXXX XXXX XXXX  if my rights continue to be violated. 

This is your final opportunity to comply before I escalate this matter to federal regulators and legal authorities. Please provide a written response confirming the deletion of the disputed items no later than XXXX  days from receipt of this letter.