Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following charged-off accounts on my credit report and demand their immediate removal under violations of federal law, specifically 15 U.S.C. 6802 ( b ), 15 U.S.C. 1681a ( 2 ) ( B ), and 15 U.S.C. 1681. 

Accounts in Question : 1. Apple Card/GS Bank USA Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Legal Basis for Dispute and Removal Request : Violation of 15 U.S.C. 6802 ( b ) Unauthorized Disclosure of Nonpublic Personal Information Under 15 U.S.C. 6802 ( b ), financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless : ( A ) The institution clearly and conspicuously discloses to the consumer that such in

formation may be disclosed. ( B ) The consumer is given the opportunity to opt out
before any disclosure occurs.

( C ) The consumer is provided with an explanation of how to exercise the opt-out option. 

I was never provided with any such disclosure nor given an opportunity to opt out of my nonpublic personal information being shared with third parties, including credit reporting agencies. This is a direct violation of federal law, and as such, these accounts are being reported unlawfully and must be deleted from my credit file immediately. 

Violation of 15 U.S.C. 1681a ( 2 ) ( B ) Improper Classification as a Consumer Report Under 15 U.S.C. 1681a ( 2 ) ( B ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 

Since these accounts involve an extension of credit directly between myself and the lender, and not a consumer report in the legal sense, these accounts do not qualify for credit reporting under this statute. Therefore, their presence on my credit report is unlawful and must be immediately removed. 

Violation of 15 U.S.C. 1681 Unlawful Reporting and Demand for Deletion The Fair Credit Reporting Act ( FCRA ) mandates accurate and legally permissible reporting of consumer information. Since these accounts are being reported in violation of 15 U.S.C. 6802 ( b ) and 15 U.S.C. 1681a ( 2 ) ( B ), they are unlawfully included in my consumer credit file. I am demanding their immediate removal to ensure compliance with federal law. 

Action Required : I formally demand the immediate deletion of these accounts from my credit report and that any further unlawful reporting ceases immediately. Failure to comply with this request will result in further legal action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal proceedings. 

Please provide written confirmation of the deletion within 30 days of receipt of this letter, as required by law. If you believe you are reporting this information legally, provide documented proof of my opt-out rights under 15 U.S.C. 6802 ( b ) and legal justification for continued reporting under 15 U.S.C. 1681a ( 2 ) ( B ). 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX