Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am hereby formally contesting the reporting of incorrect and incomplete details in my credit report. As a confirmed victim of both the Equifax Data Breach and the XXXX Data Breach, I am entitled to increased protections under 609 ( e ) of the FCRA. These breaches exposed my sensitive personal information ; therefore, you have a heightened legal responsibility to eliminate unverifiable data and ensure the utmost accuracy in all information associated with my file. 

Please update my address to : Current address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 
Please update my name to : Your full name : XXXX XXXX. 
My only Social Security number is : SSN : XXXX. 
My only and correct date of birth is : Date of birth : XX/XX/XXXX. 

I do not authorize the reporting of any telephone numbers in my file. Additionally, all other addresses appearing in my report must be permanently deleted because they are not valid mailing addresses for me, they are not recognized as deliverable by the XXXXXXXX XXXX XXXX, and under the FCRA they can not be reported since they are inaccurate. As a documented victim of both the Equifax Data Breach and the XXXX Data Breach, I am entitled to heightened protection under 609 ( e ), which requires the suppression of unverifiable or inaccurate identifiers in order to prevent further harm. 

Incorrect Name XXXX XXXX XXXX This name must be immediately deleted from my Equifax credit file. The name XXXX XXXX XXXX is false, unauthorized, and a product of identity theft resulting from the Equifax Data Breach and the XXXX Data Breach, both of which exposed my personal identifying information, including my full legal name, Social Security number, and prior address data. I have never used or signed any document under the name XXXX XXXX XXXX. My verified legal name is correctly reported under my accurate Equifax identity file, and this variation represents a fraudulent entry introduced through breach-related data compromise. By continuing to display this false identifier, Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 accuracy standards.

Legal Violations and Standards Breached 15 U.S.C. 1681e ( b ) Equifax has failed to follow reasonable procedures to ensure maximum possible accuracy by reporting an unverifiable and false name.

15 U.S.C. 1681i A reasonable reinvestigation requires deletion of unverifiable identifiers once proper notice has been received.

15 U.S.C. 1681c-2 Identity-theftrelated information must be blocked within four business days after receipt of a valid FTC Identity Theft Report ( No. 192457585 ) and government ID, which Equifax has on file.

15 U.S.C. 1681n and 1681o Equifax is liable for willful and negligent noncompliance by retaining false identifying data post-breach.

Metro 2 Compliance Violation : According to Metro 2 reporting standards, all consumer identifying fieldsincluding name, address, and date of birthmust be supported by a verified furnisher record or permissible-purpose source. The presence of this false name, which has no linkage to any legitimate tradeline or account, violates Metro 2 Base Segment Field Integrity requirements and undermines the accuracy of my credit file. 

Escalation Instruction : Escalate this directly to Equifax Legal Compliance referencing CFPB complaint case numbers XXXX, XXXX, and XXXX. Demand that Equifax : identify the furnisher or source that provided the false name XXXX XXXX XXXX ; provide verifiable documentation ( application, contract, or government record ) confirming its use ; and permanently delete the name if no proof exists, as required by 15 U.S.C. 1681i and 1681c-2. Issue a corrected disclosure confirming the deletion. 

Incorrect Address XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX These addresses must be permanently deleted from all credit bureau files for violating the Fair Credit Reporting Act and Metro 2 data integrity standards. I did not reside at, authorize, or use the addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, or XXXX XXXX XXXX, XXXX, CA, at any time. Both were added to my credit file as a direct result of identity theft following the Equifax Data Breach and the XXXX Data Breach, which compromised my nonpublic personal information, including my full name, Social Security number, and prior address history. 

Under 15 U.S.C. 1681e ( b ), each consumer reporting agency must maintain only information that is accurate and verifiable. Reporting addresses that were fraudulently added through data compromise fails this obligation. These addresses are not associated with any legitimate tradeline, employment record, lease, or financial account belonging to me. Pursuant to 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable reinvestigation supported by documented proof. No documentation or verified source has been provided showing I ever used or resided at these locations. Continuing to report unverified and fraudulent identifiers after being notified of the data breaches and identity theft constitutes willful noncompliance. 

Under 15 U.S.C. 1681c-2, identity-theftrelated information must be blocked within four business days once proper documentation is received. I have already provided my FTC Identity Theft Report ( No. XXXX ), government identification, and proof of data-breach exposure. All three credit bureausEquifax, Experian, and TransUnionhave therefore had sufficient documentation to act but have failed to comply. 

The Equifax and XXXX breaches represent known large-scale failures that exposed millions of consumer records. The continued reporting of false address data tied to those breaches is evidence that the bureaus have not followed required Metro 2 integrity procedures or performed adequate source verification. Under Metro 2, all personal identifying information must be derived from verified, traceable sources. False addresses linked to identity theft materially distort credit risk models and FICO algorithms, directly harming my profile. 

Escalation Instruction : Escalate to the Compliance Departments of Equifax, Experian, and TransUnion and include references to CFPB complaint case numbers XXXX, XXXX, and XXXX. Demand the following from each bureau : identification of the data furnisher that reported these addresses ; proof that I personally verified or used these addresses ; documentation of permissible purpose under FCRA Section 604 ; and confirmation of deletion of these addresses under 1681i and 1681c-2 if no such proof exists. If no valid documentation exists, these addresses must be permanently deleted as unverifiable and fraud-related identifiers. 

Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX These addresses must be permanently deleted from my credit file. I have never lived at, used, or been associated with XXXX XXXX XXXX, XXXX, CA, or XXXX XXXX XXXX, XXXX, CA. Both were fraudulently added following the Equifax Data Breach and the XXXX Data Breach, which compromised my nonpublic personal information, including my Social Security number, name variations, and previous address history. 

Under 15 U.S.C. 1681e ( b ), each consumer reporting agency is required to follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of these addressesdespite my submission of valid identity-theft documentationdemonstrates that Equifax, Experian, and TransUnion have failed to uphold this legal duty. Under 15 U.S.C. 1681c-2, identity-theftrelated information must be blocked within four business days of receiving proof of identity theft. I have already submitted my FTC Identity Theft Report ( No. XXXX ) and government-issued identification confirming my status as a breach victim. The bureaus refusal to delete these fraudulent addresses constitutes a willful violation of this statute. 

Further, under 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information. To date, no bureau has provided documented proof that I have ever resided at or used these addresses. Continuing to publish these identifiers despite the absence of evidence or permissible purpose violates 15 U.S.C. 1681n and 1681o, exposing the bureaus to statutory and punitive liability.

Metro 2 Compliance Failure Under Metro 2 reporting standards, address fields are critical identification elements used in consumer file matching and scoring models. Reporting false or unverified addresses directly violates Metro 2 Section 2 ( Base Segment Rules ) and compromises the accuracy and integrity of the consumer file. These addresses are not linked to any tradeline, employer, or account in my verified credit history and must therefore be removed immediately. 

Escalation Instruction : Escalate to the Compliance Departments of Equifax, Experian, and TransUnion referencing CFPB complaint case numbers XXXX, XXXX, and XXXX. Demand each bureau provide : source and furnisher details for each false address, including name, address, and contact information ; documentary evidence that I personally verified or used these addresses ; and certification of permissible purpose under FCRA Section 604. If no valid verification exists, these addresses must be deleted immediately under 15 U.S.C. 1681c-2 ( identity-theft blocking ) and 1681i ( duty to delete unverifiable data ). 

I have not given any organization or individual permission to conduct investigations or access my credit report. The documentation of such unauthorized investigations is a clear violation of the Fair Credit Reporting Act 1681b ( c ) and represents a significant infringement on my privacy rights. As a confirmed victim of the Equifax Data Breach and the XXXX Data Breach, I am eligible for increased protection under 609 ( e ), which mandates the removal of unverifiable or unauthorized information to prevent additional harm. 

I kindly request that you validate these inquiries by presenting copies of the original documentation containing my signature that clearly authorized each inquiry. In the absence of such documentation, it is imperative that these inquiries be deemed fraudulent and promptly removed from the credit file associated with my Social Security number. 

It is explicitly outlined in the FCRA that access to a consumer report is restricted to specific permissible reasons : extending a credit offer, insurance purposes, a court-issued mandate, or employment verification. The inquiries presently on my record were not authorized by me, nor do they align with any legally defined permissible purposes. Consequently, I am formally requesting their prompt elimination from my credit report. 

In accordance with the regulations outlined in the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), it is mandated under federal law that you validate all reported accounts by providing the original signed consumer agreement containing my signature. Failure to physically authenticate such documentation could leave your system vulnerable to receiving false information through fax, mail, or email, resulting in inaccurate entries being included in my credit history. 

I hereby request documented evidencenamely, the initial consumer agreement bearing my endorsementpertaining to the specified account ( s ). As a substantiated casualty of both the Equifax Data Breach and the XXXX Data Breach, I possess the legal entitlement to elevated safeguarding pursuant to 609 ( e ), which mandates the elimination of unconfirmable accounts and the avoidance of detrimental repercussions resulting from erroneous information. 

Your persistent inability to confirm these accounts in a positive manner has already had a detrimental effect on my capacity to secure credit under equitable conditions. According to the Fair Credit Reporting Act ( FCRA ), accounts that can not be verified must be eradicated. Hence, if you are unable to furnish me with the necessary documentation, you are legally bound to expunge the following account ( s ) from my credit report without delay. 

Please be informed that all correspondences bearing my name have been prepared by either myself or my advisors with my explicit knowledge and consent. It is important to note that I am aware that there is no stipulation in the FCRA mandating the provision of a Power of Attorney to you, nor is there any provision allowing for the delay of processing consumer letters in the absence of said documentation. 

With the utmost respect, I am hereby formally contesting the reporting of incorrect and incomplete details in my credit report. As a confirmed victim of both the Equifax Data Breach and the XXXX Data Breach, I am entitled to increased protections under 609 ( e ) of the FCRA. These breaches exposed my sensitive personal information ; therefore, you have a heightened legal responsibility to eliminate unverifiable data and to ensure the utmost accuracy in all information associated with my file. 

Please update my address to : Current address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 
Please update my name to : Your full name : XXXX XXXX. 
My only Social Security number is : SSN : XXXX. 
My only and correct date of birth is : Date of birth : XX/XX/XXXX. 

I do not authorize the reporting of any telephone numbers in my file. Additionally, all other addresses appearing in my report must be permanently deleted because they are not valid mailing addresses for me, they are not recognized as deliverable by the XXXX. XXXX XXXX, and under the FCRA they can not be reported since they are inaccurate. As a documented victim of both the Equifax Data Breach and the XXXX Data Breach, I am entitled to heightened protection under 609 ( e ), which requires the suppression of unverifiable or inaccurate identifiers in order to prevent further harm. 

Incorrect Name XXXX, XXXX XXXX The name XXXX, XXXX XXXX reported by TransUnion is false and must be permanently deleted. I have never used, signed, or authorized this name variation in any personal, financial, or legal capacity. This incorrect identifier originated from identity theft connected to the Equifax Data Breach and the XXXX Data Breach, which compromised my nonpublic personal information, including name, Social Security number, and address history. This false name does not appear with Equifax or Experian, confirming that TransUnion alone continues to publish an unverified and inaccurate personal identifier. Maintaining false identifiers after notice of identity theft constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data integrity standards.

Violations and Legal Basis 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy ; TransUnion continues reporting a false name despite documented proof of identity theft.

15 U.S.C. 1681i Failure to reinvestigate and delete unverifiable data once the consumer provides notice and supporting documentation.

15 U.S.C. 1681c-2 Failure to block identity-theft information within four business days of receiving a valid FTC Identity Theft Report ( No. XXXX ) and government-issued identification.

15 U.S.C. 1681n & 1681o Liability for willful and negligent noncompliance with federal law.

Metro 2 Compliance Violation : Metro 2 reporting requires that all personal identifiers ( name, SSN, address, DOB ) be verified by legitimate furnishers with a documented permissible purpose. The inclusion of an unverified nameespecially one derived from a known data breachviolates Metro 2 Section 2 ( Base Segment Field Integrity Rules ) and materially compromises credit-file accuracy. 

Incorrect Name XXXX XXXX XXXX This dispute concerns the false name variations reported by Experian and TransUnion, which are not mine and must be deleted immediately. The name appearing with Equifax is accurate and should remain, but the versions listed with Experian and TransUnion are inaccurate identity-theft data that originated from the Equifax Data Breach and the XXXX Data Breach . After those breaches, my personal identifiersincluding name, Social Security number, and prior addresseswere compromised and used to create unauthorized records across multiple credit bureaus. Experian and TransUnion have since continued reporting these false identifiers even after receiving full documentation of identity theft and breach confirmation. 

Factual Clarification : Equifax : Correct legal namereporting accurate identity data. 
Experian and TransUnion : Reporting false variations XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, which I have never used, signed, or authorized. 

Violations and Noncompliance 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy by maintaining false and unverified identifying information.

15 U.S.C. 1681i Failure to perform a reasonable reinvestigation after receiving documented proof that these names are inaccurate.

15 U.S.C. 1681c-2 Failure to block identity-theft data within four business days after receiving my FTC Identity Theft Report XXXX. XXXX and government ID. 
15 U.S.C. 1681n & 1681o Willful and negligent noncompliance by Experian and TransUnion for knowingly maintaining fraudulent data.

Metro 2 Compliance Failure : Under Metro 2 Section 2 ( Base Segment ), all identifying data must be verifiable through a legitimate furnisher and confirmed via documented sources. False name variations that do not match a valid tradeline or verified consumer record constitute a Metro 2 accuracy breach and create risk of file contamination, cross-matching errors, and inaccurate scoring.

Escalation Instruction : Escalate this issue to Experian Legal Compliance and TransUnion Legal Compliance referencing CFPB complaint case numbers XXXX, XXXX, and XXXX. Demand that both Experian and TransUnion : identify the data furnishers who reported these false name variations ; provide documentary proof ( applications, account statements, or verification records ) confirming that I personally used these names ; and certify permissible purpose and reporting source under FCRA Section 604. If no documentary evidence exists, the bureaus must immediately delete the names under 15 U.S.C. 1681i and 1681c-2 and issue corrected file disclosures. 

Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX These addresses must be permanently deleted from all credit-bureau files for violating the Fair Credit Reporting Act and Metro 2 data integrity standards. I did not reside at, authorize, or use the addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, or XXXX XXXX XXXX, XXXX, CA, at any time. Both were added to my credit file as a direct result of identity theft following the Equifax Data Breach and the XXXX Data Breach, which compromised my nonpublic personal information, including my full name, Social Security number, and prior address history. 

Under 15 U.S.C. 1681e ( b ), each consumer-reporting agency must maintain only information that is accurate and verifiable. Reporting addresses that were fraudulently added through data compromise fails this obligation. These addresses are not associated with any legitimate tradeline, employment record, lease, or financial account belonging to me. Pursuant to 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable reinvestigation supported by documented proof. No documentation or verified source has been provided showing I ever used or resided at these locations. Continuing to report unverified and fraudulent identifiers after being notified of the data breaches and identity theft constitutes willful noncompliance. 

Under 15 U.S.C. 1681c-2, identity-theftrelated information must be blocked within four business days once proper documentation is received. I have already provided my FTC Identity Theft Report ( No. XXXX ), government identification, and proof of data-breach exposure. All three credit bureausEquifax, Experian, and TransUnionhave therefore had sufficient documentation to act but have failed to comply. 

The Equifax and XXXX breaches represent known large-scale failures that exposed millions of consumer records. The continued reporting of false address data tied to those breaches is evidence that the bureaus have not followed required Metro 2 integrity procedures or performed adequate source verification. Under Metro 2, all personal identifying information must be derived from verified, traceable sources. False addresses linked to identity theft materially distort credit-risk models and FICO algorithms, directly harming my profile.

Escalation Instruction : Escalate to the Compliance Departments of Equifax, Experian, and TransUnion and include references to CFPB complaint case numbers XXXX XXXX, and XXXX. Demand the following from each bureau : identification of the data furnisher that reported these addresses ; proof that I personally verified or used these addresses ; documentation of permissible purpose under FCRA Section 604 ; and confirmation of deletion of these addresses under 1681i and 1681c-2 if no such proof exists. If no valid documentation exists, these addresses must be permanently deleted as unverifiable and fraud-related identifiers. 

Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX These addresses must be permanently deleted from my credit file. I have never lived at, used, or been associated with XXXX XXXX XXXX, XXXX, CA, or XXXX XXXX XXXX, XXXX, CA. Both were fraudulently added following the Equifax Data Breach and the XXXX Data Breach, which compromised my nonpublic personal information, including my Social Security number, name variations, and previous address history. 

Under 15 U.S.C. 1681e ( b ), each consumer-reporting agency is required to follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of these addressesdespite my submission of valid identity-theft documentationdemonstrates that Equifax, Experian, and TransUnion have failed to uphold this legal duty. Under 15 U.S.C. 1681c-2, identity-theftrelated information must be blocked within four business days of receiving proof of identity theft. I have already submitted my FTC Identity Theft Report ( No. XXXX ) and government-issued identification confirming my status as a breach victim. The bureaus refusal to delete these fraudulent addresses constitutes a willful violation of this statute. 

Further, under 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information. To date, no bureau has provided documented proof that I have ever resided at or used these addresses. Continuing to publish these identifiers despite the absence of evidence or permissible purpose violates 15 U.S.C. 1681n and 1681o, exposing the bureaus to statutory and punitive liability.

Metro 2 Compliance Failure Under Metro 2 reporting standards, address fields are critical identification elements used in consumer file matching and scoring models. Reporting false or unverified addresses directly violates Metro 2 Section 2 ( Base Segment Rules ) and compromises the accuracy and integrity of the consumer file. These addresses are not linked to any tradeline, employer, or account in my verified credit history and must therefore be removed immediately. 

Escalation Instruction : Escalate to the Compliance Departments of Equifax, Experian, and TransUnion referencing CFPB complaint case numbers XXXX, XXXX, and XXXX. Demand each bureau provide : source and furnisher details for each false address, including name, address, and contact information ; documentary evidence that I personally verified or used these addresses ; and certification of permissible purpose under FCRA Section 604. If no valid verification exists, these addresses must be deleted immediately under 15 U.S.C. 1681c-2 ( identity-theft blocking ) and 1681i ( duty to delete unverifiable data ). 

I have not given any organization or individual permission to conduct investigations or access my credit report. The documentation of such unauthorized investigations is a clear violation of the Fair Credit Reporting Act 1681b ( c ) and represents a significant infringement on my privacy rights. As a confirmed victim of the Equifax Data Breach and the XXXX Data Breach, I am eligible for increased protection under 609 ( e ), which mandates the removal of unverifiable or unauthorized information to prevent additional harm. 

I kindly request that you validate these inquiries by presenting copies of the original documentation containing my signature that clearly authorized each inquiry. In the absence of such documentation, it is imperative that these inquiries be deemed fraudulent and promptly removed from the credit file associated with my Social Security number. 

It is explicitly outlined in the FCRA that access to a consumer report is restricted to specific permissible reasons : extending a credit offer, insurance purposes, a court-issued mandate, or employment verification. The inquiries presently on my record were not authorized by me, nor do they align with any legally defined permissible purposes. Consequently, I am formally requesting their prompt elimination from my credit report. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry must be immediately deleted for violating the Fair Credit Reporting Act and Metro 2 compliance standards. I did not apply for, authorize, or initiate any credit or financial service with XXXX XXXX  XXXX on or around XX/XX/XXXX. As a documented victim of both the Equifax and XXXX data breaches, my nonpublic personal information was compromised and fraudulently used to create unauthorized hard inquiries across multiple bureaus. 

Under 15 U.S.C. 1681b, no permissible purpose exists for this inquiry. There is no signed application, digital authorization, or verifiable relationship linking me to this creditor. The FCRA expressly prohibits a consumer-reporting agency from publishing or furnishing a credit report unless there is a legitimate, documented credit transaction initiated by the consumer. TransUnions continued reporting of this inquiry after receiving my FTC Identity Theft Report ( No. XXXX ) and government ID violates 15 U.S.C. 1681c-2, which requires that identity-theftrelated information be blocked within four business days once valid proof is provided. Their failure to comply also violates 15 U.S.C. 1681e ( b ) ( accuracy obligation ) and 1681i ( duty to reinvestigate ).

Metro 2 standards require every inquiry to have a valid, traceable tradeline and a verifiable permissible-purpose code. Since this inquiry is unlinked and unauthorized, it is patently inaccurate and must be deleted from the file. 

Escalation Instruction : Escalate this to TransUnions XXXX Department referencing CFPB complaints XXXX, XXXX, and XXXX. Demand from XXXX XXXX  XXXX and TransUnion : a copy of the original credit application, whether paper or electronic; timestamped submission records and IP or device data showing origination ; and a certification of permissible purpose as required under FCRA Section 604. If neither the bureau nor the furnisher can produce this documentation, the inquiry must be permanently deleted under 15 U.S.C. 1681c-2 and 1681i. 

XXXX XXXX XX/XX/XXXX This inquiry must be permanently deleted for violating the Fair Credit Reporting Act and Metro 2 data integrity standards. I did not authorize, initiate, or apply for any credit or service with XXXX XXXX XXXX on or around XX/XX/XXXX. As a documented victim of both the Equifax Data Breach and the XXXX Data Breach, my nonpublic personal information has been compromised and used to generate unauthorized credit inquiries. 

Under 15 U.S.C. 1681b, no permissible purpose exists for this inquiry. There is no valid credit application, account, or consent. The FCRA prohibits a consumer-reporting agency from furnishing a report unless there is a legitimate, verifiable relationship or authorization. None exists here. Additionally, TransUnion continues to publish this inquiry despite my submission of a valid FTC Identity Theft Report ( No. XXXX ) and government ID. Under 15 U.S.C. 1681c-2, all identity-theft-related items must be blocked within four business days after proof is provided. Failure to act within this timeframe constitutes willful noncompliance. Under 15 U.S.C. 1681i, a reasonable reinvestigation requires documented verification, including a copy of any signed credit application, timestamp, IP data, or audio recording evidencing authorization. TransUnion has provided none of these. Continuing to display unverifiable data violates 1681e ( b ) ( accuracy obligation ) and Metro 2 standards, which require every inquiry to be linked to a valid tradeline and permissible purpose.

Escalation Instruction : Escalate this matter to TransUnions XXXX Department and reopen the investigation under CFPB complaint references XXXX and XXXX. Demand written proof from XXXX XXXX XXXX of the following : signed or digital application connected to this inquiry ; IP address or submission timestamp ; certification of permissible purpose filed under FCRA Section 604. If the bureau or furnisher can not produce this documentation, the inquiry must be deleted immediately under FCRA 1681c-2 and 1681i.

In accordance with the regulations outlined in the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), it is mandated under federal law that you validate all reported accounts by providing the original signed consumer agreement containing my signature. Failure to physically authenticate such documentation could leave your system vulnerable to receiving false information through fax, mail, or email, resulting in inaccurate entries being included in my credit history. 

I hereby request documented evidencenamely, the initial consumer agreement bearing my endorsementpertaining to the specified account ( s ). As a substantiated casualty of both the Equifax Data Breach and the XXXX Data Breach, I possess the legal entitlement to elevated safeguarding pursuant to 609 ( e ), which mandates the elimination of unconfirmable accounts and the avoidance of detrimental repercussions resulting from erroneous information. 

Your persistent inability to confirm these accounts in a positive manner has already had a detrimental effect on my capacity to secure credit under equitable conditions. According to the Fair Credit Reporting Act ( FCRA ), accounts that can not be verified must be eradicated. Hence, if you are unable to furnish me with the necessary documentation, you are legally bound to expunge the following account ( s ) from my credit report without delay. 

Please be informed that all correspondences bearing my name have been prepared by either myself or my advisors with my explicit knowledge and consent. It is important to note that I am aware that there is no stipulation in the FCRA mandating the provision of a Power of Attorney to you, nor is there any provision allowing for the delay of processing consumer letters in the absence of said documentation. 

With the utmost respect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation