Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To the Attention of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputed Information - Immediate Action Required Subject : Formal Complaint Regarding Fraudulent Inquiries and Equifaxs Negligence Submission to CFPB Dear Equifax Leadership Team, I am writing to formally notify you, under the authority of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), of the gross inaccuracies in my credit report and your companys repeated failure to address disputes in a timely and lawful manner. This letter also serves as an official submission to the Consumer Financial Protection Bureau ( CFPB ) to document your egregious violations of consumer rights. 

I submitted a dispute on XX/XX/XXXX, and despite providing all required documentation, Equifax has failed to respond within the legally mandated timeframe. Your lack of action has caused me severe emotional distress and has prevented me from securing housing for my family. 

Violations by Equifax Against Consumers : 1. Failure to Investigate Disputes Promptly : Your company has demonstrated a pattern of noncompliance with the FCRA by failing to address consumer disputes within 30 days. 
2. Reckless Data Practices : The infamous Equifax XXXX Data Breach, exposing the personal data of over XXXX XXXX Americans, showcases a lack of due diligence in protecting consumer information. 
3. Inaccurate Credit Reporting : Numerous lawsuits have been filed against Equifax for maintaining inaccurate data and failing to reinvestigate disputes properly, including : XXXX XXXX XXXX XXXX, highlighting similar industry practices of ignoring consumer rights. 
XXXX {$700.00} XXXX settlement with the CFPB for failing to protect consumer data. 

Disputed Information in My Credit File : Below are the items that I demand be removed immediately : 1. Personal Information : Incorrect address on file : XXXX XXXX XXXX, XXXX, PA XXXX. 
2. Unauthorized 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 XXXXXX/XX/XXXX Legal Obligations and My Rights : Under 15 U.S.C. 1681b, your company is prohibited from including unauthorized inquiries in consumer reports. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that credit reporting agencies adopt robust identity verification measures and promptly correct inaccuracies. 

Binding Legal Demands : 1. Immediate Removal : All unauthorized inquiries and inaccurate personal information must be removed within 24 hours of receipt of this letter. 
2. No Automated Systems : This matter must not be referred to EOSCAR or any automated dispute systems. As a legally binding condition, you must review my dispute manually. 
3. Identity Verification : I have enclosed the following documents to verify my identity : Drivers License Social Security Card Utility Bill FTC Identity Theft Affidavit Equifax is legally bound to accept these documents as proof of my identity. Any further delay or request for additional verification will be considered a willful violation of my rights under the FCRA, and I will pursue all available remedies, including legal action. 

Consequences of Noncompliance : Failure to act on this dispute will result in : Submission of formal complaints to the CFPB and FTC. 
Initiation of legal proceedings for violations of the FCRA, FACTA, and other applicable consumer protection laws. 
Seeking damages for emotional distress and financial harm caused by your negligence. 

This travesty must be corrected immediately. I expect written confirmation within 24 hours of receipt of this letter that all disputed items have been permanently removed from my credit report. 

Sincerely, XXXX XXXX Attachments : 1. List of Disputed Items 2. Drivers License 3. Social Security Card 4. Utility Bill 5. FTC Identity Theft Affidavit