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Information belongs to someone else. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Experian TransUnion Subject : Formal Dispute for Deletion of Inaccurate and Fraudulent Accounts To Whom It May Concern, I am formally disputing the accuracy of certain accounts reported on my credit file. My personal information may have been compromised due to the Equifax, TransUnion, and XXXX XXXX breaches, as documented in my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ), attached for reference. Under the XXXX XXXX XXXX by Silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt exists, and therefore, the debt itself is unsubstantiated. I am invoking my rights under 15 U.S.C. 1681s-2, which ma