Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Negative Credit Report Item To whom it may concern, I am writing to file a formal complaint and request an investigation into a negative item listed on my credit report. I believe that this item is in violation of several federal laws, and I am seeking your assistance in resolving this matter. I have identified an inaccurate or unjustified negative entry on my credit report related to account XXXX XXXX XXXX with the account number XXXX a fraudulent account, thats reporting incorrect information. This account was settled in the state of Georgia with the judge ruling in my favor. This account has been deleted and removed from XXXX and XXXX but Equifax has been unwilling to follow the law and comply. Ive sent the judges documents with signatures multiple times and Equifax continues to go against the law. If this continues I will by law file a claim against this company for violating my rights. I believe this negative item violates my rights under the following federal laws : 1. **18 U.S. Code 1028A ( Identity Theft ) ** This law prohibits identity theft and provides penalties for the unauthorized use of another person 's identifying information. If this negative item results from identity theft or the unauthorized use of my personal information, it constitutes a criminal violation of this statute. I am requesting that the item be investigated to ensure no fraudulent activity has been committed in my name. 

2. **15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ) ** This law governs the permissible purposes under which a credit report may be accessed. If the negative item was added without the appropriate consent or a valid purpose under this statute, it constitutes an improper use of my credit report. I request verification that any entity that accessed my credit report for this item did so with lawful consent and in compliance with 1681b.

3. **15 U.S. Code 6802 ( Restrictions on Disclosures of Nonpublic Personal Information ) ** This statute places limitations on the sharing of nonpublic personal information. If this negative item results from the improper disclosure or misuse of my personal information, it would be a violation of my privacy rights. I request an investigation into whether the responsible parties have complied with the restrictions outlined in 6802. I respectfully ask that the CFPB investigate the circumstances surrounding this negative item on my credit report, including verifying the legitimacy of the reporting party 's actions and ensuring compliance with the above-referenced statutes. Additionally, I request that the inaccurate or unauthorized item be removed from my credit report if it is found to violate my rights under these laws. Attached are relevant documents supporting my claim, including my credit report, identification information, and any relevant correspondence. Please let me know if you require any additional information to facilitate the investigation. I appreciate your attention to this matter and look forward to your prompt resolution. You may contact me at [ your phone number ] or via email at [ your email address ] for any follow-up. 

Thank you for your assistance. 

Sincerely, XXXX XXXX