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Reporting company used your report improperly. Subject : Formal Demand for Permanent Deletion of Inaccurate Accounts Notice of Intent to Pursue Legal Action To Whom It May Concern : I am writing to formally dispute the inaccurate and harmful accounts currently listed on my credit report with both Experian and Equifax. This is being done in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This is a final demand to permanently delete the following accounts from my credit report within five ( 5 ) days of receipt of this letter : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX