Product: Credit reporting or other personal consumer reports

Subject : FINAL CEASE AND DESIST UNAUTHORIZED DISCLOSURE AND REPORTING OF PRIVATE DATA RE : VIOLATION OF PRIVACY RIGHTS, DEFAMATION, AND BAD FAITH CONDUCT To Whom It May Concern : This correspondence serves as a FINAL LEGAL NOTICE AND DEMAND TO CEASE AND DESIST your continued, unauthorized reporting of my private intellectual property, data, and information to any and all consumer reporting agencies. Despite a previous cease and desist notice instructing you to immediately terminate all such activity, you have chosen to willfully disregard said instructions, thereby subjecting yourself to liability for damages and regulatory actions. 

Your continued reporting is : Unauthorized Unlawful In bad faith Defamatory and harmful to my legal, financial, and personal standing UNAUTHORIZED ACTIVITY & REVOCATION OF ASSUMED POWER OF ATTORNEY Be hereby advised that no Power of Attorneyimplied, constructive, assumed, or otherwisehas been granted to you or your agents to act on my behalf, manage or report my private intellectual property, data, and information, or bind me to any ongoing disclosures. Any action taken under the false presumption of such authority is deemed a fraudulent misrepresentation and will be treated as such. 

I hereby formally REVOKE, RESCIND, AND DENY any and all presumed authority you may have believed to exist regarding my private intellectual property, data, accounts, or identifying information, including but not limited to : Communicating with credit reporting agencies Sharing information with data brokers Maintaining or publishing derogatory tradelines Holding or disclosing inactive, charged-off, or closed account information You have no lawful basis or permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) to continue reporting information about an account that is no longer active, valid, or authorized. Further, I have explicitly revoked any and all consent for the use of my private intellectual property and personal data in relation to any such account, and I hereby reiterate that you are forbidden from acting under any assumed authority or implied Power of Attorney with regard to my name, credit file, or consumer reports. 

In XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court reaffirmed the consumer 's right to enforce state and federal consumer protection statutes against financial institutions engaged in wrongful conduct, particularly where consumer harm and reporting violations are evident. 

Further, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that furnishers of information to credit bureaus are obligated to investigate thoroughly and cease reporting inaccurate or disputed information or be held liable for resulting damages. 

Your continued reporting of this account, despite my formal withdrawal of consent and the closure or dispute status of the loan, constitutes willful noncompliance with your obligations under both federal and state law. 

PERSONAL DAMAGES & HARM CAUSED Your continued willful reporting of stale, irrelevant, and unauthorized account information has resulted in substantial personal and financial harm, including : Defamation of Character Publishing inaccurate or negative data knowingly and falsely implies financial irresponsibility, which is categorically untrue and defamatory per se. 

Damage to Creditworthiness Your conduct has directly caused denial of legitimate credit opportunities, including consumer loans, auto loans, housing applications, and revolving credit access. 

Reputational Harm Your defamatory acts have injured my standing in the financial community and among third-party institutions that rely on the completeness and accuracy of credit reports for consumer evaluation. 

Mental and Emotional Distress Repeated rejections and invasive scrutiny stemming from your reports have caused ongoing personal hardship, stress, and XXXX. 

Violation of Privacy Rights Disseminating my private intellectual property, data, and information without legal authority or consent is a direct violation of the Fair Credit Reporting Act ( FCRA ) and relevant state privacy statutes. 

These harmful actions constitute malice, gross negligence, and reckless disregard for my legal rights. 

DEMAND FOR IMMEDIATE ACTION In accordance with 15 U.S. Code 1681b and supporting legal precedent ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ), you are hereby ordered to : Immediately cease and desist any and all communications involving my private intellectual property and personal data with any and all consumer reporting agencies. 

Permanently delete and withdraw all data, tradelines, and reporting activity regarding my name, identifying information, and any account historyactive or inactive, open or closed, charged-off, or in collections. 

Confirm in writing that all such actions have been taken and that no further disclosures will occur. 

NOTICE OF ENFORCEMENT Failure to comply will result in : Formal complaints to the CFPB, FTC, SEC, IRS, U.S. and State Attorney General, Office of the Comptroller of the Currency ( OCC ), and U.S. DOJ Civil Division Consumer Protection Branch Civil litigation seeking compensatory and punitive damages for : Defamation Identity theft Violations of the FCRA and related privacy laws Emotional and economic harm Preservation of all correspondence and actions for discovery and submission in legal proceedings You are now on full legal notice. Any further willful reporting, disclosure, or data handling without my express authorization will be met with immediate enforcement actions. 

Govern yourselves accordingly.