Act as a top-tier consumer law attorney with mastery in contract law, tax law, trust law, criminal law, and securities law. Draft a litigation-ready letter to the Consumer Reporting Agencies (Experian, Equifax, TransUnion) demanding the immediate exclusion of the following derogatory transactions unless the agencies can provide strict proof that the alleged debts were not securitized, collateralized, or otherwise conveyed into investment trusts for profit.