<p> JON DOE 555 WINDING WAY NORMAL, MN 55391 P: 555-555-5555 E: [email protected]</p><p>September 18, 2011</p><p>Equifax P.O. Box 74256 Atlanta, GA 30374</p><p>Re: Fraudulent Account for John Doe SSN: 444-44-4444</p><p>Dear Sir or Ma’am:</p><p>I am writing regarding a fraudulent account that your company is currently reporting I owe. On at least one occasion I have been denied credit due to the miss-reporting of this information. It is imperative that this information is corrected so that my credit valuation is correctly reported. I have enclosed an affidavit of fraud attesting to the fraudulent nature of the charges on this alleged account. </p><p>The account in question is from HSBC/ Best Buy and states that I allegedly owe $1836.00. I have attached a excerpt of my report with the alleged account highlighted. I respectfully request that this information is removed from my account as soon as possible. </p><p>It is my contention that, in light of the enclosed affidavit, simply verifying account’s existence with the alleged creditor is insufficient reinvestigation as required by 15 U.S.C §1681(i). The enclosed affidavit constitutes real evidence that cannot be disregarded. In light of this document I demand cease reporting this false and libelous information immediately. This letter is sent pursuant to 15 USC §1681. You are hereby on notice that absent substantive investigation, I will exercise my rights to civil damages and attorney’s fees under 15 U.S.C §1681(o) and 15 USC §1681(n). </p><p>Regards, </p><p>Jon Doe</p><p>DJM/kms Enclosures: Affidavit of Fact 2 State of Minnesota District Court County of Hennepine Judicial District: Court File Number: Assigned Judge: Case Type: Civil</p><p>AFFIDAVIT OF FACT</p><p>State of ______) ) ss. County of ______)</p><p>Affiant being duly sworn, upon oath states that any and all charges on the alleged HSBC/ Best Buy account currently reported by your company are wholly fraudulent. To wit: the charges describe goods not received. Affiant has disputed these charges with the alleged creditor, and the alleged creditor has been provided proof of the fraudulent nature of these charges. </p><p>FURTHER AFFIANT SAYETH NOT.</p><p>Dated: 12/12/12 ______Signature, Jon De</p><p>Subscribed and sworn before me this Notary Stamp or Seal</p><p>______day of ______, 20_____. ______Signature, Notary Public or Notary under 10 USC 1044 </p><p>______Printed Name, Notary Public or Notary under 10 USC 1044</p>