Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Correction of Inaccurate and Unverifiable Information Non-Compliance with Federal Law To Whom It May Concern : This letter serves as a follow-up to my previous dispute regarding inaccuracies in my credit report, specifically concerning the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Despite your prior claim of verification, your actions continue to fall short of compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The FCRA requires that consumer reporting agencies ( CRAs ) conduct a " reasonable reinvestigation '' under 1681i ( a ) ( 1 ) ( A ), provide a detailed description of the procedures used in verification under 1681i ( a ) ( 6 ) ( B ) ( iii ), and ensure maximum possible accuracy of all information reported under 1681e ( b ). 

Furthermore, the recent CFPB lawsuit against XXXX has highlighted systemic industry failures, including improper reliance on furnishers, failure to forward all relevant consumer-provided documentation, and inadequate dispute outcomes. Equifax appears to exhibit similar patterns of non-compliance. Specifically : Failure to Properly Reinvestigate : You have relied solely on automated processes and furnishers ' responses without evaluating the evidence provided. This constitutes a violation of 1681i ( a ) ( 1 ) ( A ).

Failure to Provide Transparency : Your response of " additional information has been provided '' fails to meet the FCRA 's requirement for a detailed explanation, as stated under 1681i ( a ) ( 6 ).

Failure to Remove Unverifiable Information : If an item can not be verified, it must be deleted under 1681i ( a ) ( 5 ). 
Harm Caused Your continued failure to address these issues has resulted in tangible harm, including a denial of credit directly attributable to the inaccurate and unverifiable information you are reporting. This is a clear violation of my rights under the FCRA and an abdication of Equifaxs responsibility to ensure accuracy in consumer reports. 

Demands To resolve this matter, I demand the following : Verification Documentation : Provide all evidence obtained during your reinvestigation, including the specific procedures used and all supporting records. 
Correction or Deletion of Accounts : Remove unverifiable or inaccurate accounts ( XXXX XXXX XXXX XXXX and XXXX XXXX ). 
Update the XXXX XXXX account to reflect accurate payment history. 
Correction of Personal Information : Consolidate my credit file to reflect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of outdated personal information, including prior addresses, Social Security numbers, phone numbers, dates of birth, and employer information. 
Legal Notice Failure to comply with these demands within 15 days will result in further action, including arbitration or litigation under 1681n and 1681o, seeking statutory damages, attorneys fees, and other remedies. 

This letter serves as my final attempt to resolve this matter amicably. All correspondence should be directed to XXXX. 

Sincerely, XXXX XXXX XXXX