09/01/2025
Ralph Holmes
3317 English Oak Cir
Stockton, California 95209
Date of Birth: 04/15/1971
SS#: 4245
Email Adress:rholmes2012@[Link]
Phone Number:(209) 598-2189
Experian
Experian
P.O. Box 4500
Allen, TX 75013
IMMEDIATE LEGAL DEMAND FOR DELETION, VERIFICATION, AND COMPLIANCE FCRA
§§ 605B, 605C, 611, and 1681i 24-HOUR FINAL NOTICE OF LEGAL ACTION PENDING
To Whom It May Concern:
Let this letter serve as your FINAL LEGAL WARNING and FORMAL DEMAND FOR
COMPLIANCE. Under federal law, specifically the Fair Credit Reporting Act (FCRA) and the
Fair and Accurate Credit Transactions Act (FACTA), I am asserting my legal rights to
dispute, block, and remove fraudulent, inaccurate, and unverifiable information from my
consumer report.
This letter serves as a lawful and time-sensitive notice requiring immediate action by Equifax.
IMMEDIATE ACTION REQUIRED WITHIN 24 HOURS
I am invoking my rights under FCRA §§ 605B, 605C, 611, and 1681i. You are hereby
ORDERED TO PERMANENTLY DELETE AND SUPPRESS the fraudulent and unauthorized
accounts listed below from my consumer file. This deletion must occur IMMEDIATELY
ANDWITHOUT DELAY, no later than 24 HOURS from your receipt of this notice. Any failure to
comply will be deemed willful noncompliance with federal law, exposing your agency to legal
and financial consequences.
Fraudulent and Disputed Accounts:
1. The inquiry was not authorized
JPMCB CARD
Date of inquiry: 02/11/2025
As a consumer by law this account must be deleted immediately
2. The inquiry was not authorized
700 CREDIT/STOCKTON HO
Date of inquiry: 12/22/2024
As a consumer by law this account must be deleted immediately
3. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation
of The FCRA Reporting falsely
AFFIRM INC
Account Number: 1UT4****
As a consumer by law this account must be deleted immediately
4. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation
of The FCRA Reporting falsely
AFFIRM INC
Account Number: IL7T****
As a consumer by law this account must be deleted immediately
5. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation
of The FCRA Reporting falsely
U S DEPT OF ED/GSL/ATL
Account Number: 6502****
As a consumer by law this account must be deleted immediately
PROHIBITION OF UNVERIFIABLE DATA SOURCES
Let me make it abundantly clear: you ARE PROHIBITED from using unverifiable or biased data
sources including, but not limited to:
• LexisNexis
• SageStream
• TLOxp
• CoreLogic
• Innovis
• The Work Number
• Clarity Services
• Experian RentBureau
• FactorTrust
• DataX
• Early Warning Services
• MIB
• G2 Risk Solutions
• National Consumer Telecom & Utilities Exchange (NCTUE)
These entities are affiliated data suppliers and their use constitutes a direct violation of FCRA
§ 611(a)(1)(A). Verification from these or similar sources is UNLAWFUL, INVALID, AND
UNACCEPTABLE.
DOCUMENTS ENCLOSED FOR VERIFICATION:
• Government-issued photo ID (e.g., Driver’s License)
• Social Security Card
• Proof of current address (Utility Bill or Bank Statement)
• FTC Identity Theft Affidavit
• Highlighted Credit Report referencing fraudulent accounts
LEGAL REQUIREMENTS FOR VERIFICATION
Pursuant to 15 U.S.C. § 1681i(a)(6)(B)(iii), you are required to provide the following:
1. A complete chronological log of every verification step, including names, titles, contact details,
dates, and methods used.
2. Certified copies of ALL original contracts or agreements signed by me, including:
• Wet-ink signature pages
• Electronic signature verification with IP address, geolocation, timestamps, and device
metadata
3. Proof that all verification was completed using independent, non-affiliated third-party
sources.
4. Full disclosure of all internal notes, communications, and findings regarding this dispute.
5. A sworn affidavit under penalty of perjury from your legal or compliance officer confirming
lawful handling and compliance with all federal requirements.
MANDATORY CERTIFICATION OF FTC COMMUNICATION
You are REQUIRED to contact the Federal Trade Commission (FTC) to confirm the legitimacy
of my Identity Theft Affidavit and document:
• The name and title of the FTC representative you contacted
• The date and time of your inquiry
• The FTC case reference number assigned to this inquiry
CONSEQUENCES OF NONCOMPLIANCE
Failure to comply fully with these demands will result in:
Formal regulatory complaints with the CFPB, FTC, and State Attorney General
• Civil litigation in U.S. District Court seeking statutory, actual, and punitive damages
• Legal claims under 15 U.S.C. §§ 1681n and 1681o for willful and negligent noncompliance
• Court-ordered financial penalties, attorney’s fees, and injunctive relief
REINVESTIGATION REQUIREMENTS
In addition to deletion, you must provide a DETAILED REPORT of your reinvestigation process
including:
1. A full timeline and step-by-step description of your methods.
2. All documents reviewed or relied upon.
3. Copies of all contracts or agreements bearing my signature.
4. Communications with furnishers and third parties.
5. A sworn affidavit of full compliance with FCRA and FACTA standards.
FINAL WRITTEN CONFIRMATION REQUIRED
You are LEGALLY OBLIGATED to confirm in writing within FOUR (4) BUSINESS DAYS that
the fraudulent account(s) have been permanently removed from my credit report. Failure to
provide this confirmation will be treated as willful disregard for federal consumer protection laws.
Failure to Act = Legal Admission of No Valid Account.
If you cannot fully validate the account(s) with proper documentation, you must delete them
IMMEDIATELY and confirm in writing.
FINAL NOTICE
Let this serve as your FINAL LEGAL DEMAND. I expect full compliance without delay. Any
attempt to evade, ignore, or refuse these demands will trigger IMMEDIATE LEGAL ACTION.
GOVERN YOURSELVES ACCORDINGLY
Sincerely,
Ralph Holmes
